New Job / IPA / I&E HELP!

G-G_4

betterlatethannever wrote: »

Do you have a landline..can't see any house phone bills?

Good Point! OH pays for most, so i'm a bit behind when it comes to bills

£350 Housekeeping (2 adults, 2 dogs, 2 rabbits, 2 guinea pigs)
£15 Internet
£5 Open University Materials required
£50 Transport (bus into work everyday)
£50 clothing (office clothes)
£11 t.v license
£29 Pet insurance for 2 dogs
£42 Council tax (for my share)
£50 Gas/Electric (for my share)
£30 Holiday savings
£30 Mobile Phone
£8 Prescriptions
£15 Dental
£10 Dry Cleaning
£20 Dog Care (Food)
£10 Hairdressing
£25 Maintenance and repairs
£15 Landline


£1250Gross Income

£760 so far

tigerfeet2006

G-G wrote: »

They do have study meetings in Leeds every now and then, so I would need extra money for transport.

Trying to think if there is anything else I can put down..

The rent would be the major one, if I could get that on without there being a possible BI then I would be ok I think.. How do they determine BI? Would it be from before the date of bankruptcy?

As I said a quick pm to debt doctor would be a good idea re the BI. We may be worrying needlessly but I would like DD to confirm.

How about a land line you only have mobile down?

tigerfeet2006

lol BLTN GOT THERE BEFORE ME ON THE LANDLINE.OOPS CAPS

As TJ says a personal expenses allowance for b/days etc.

Up OU allowance to include going away.

G-G_4

tight_jock wrote: »

You should be able to account £1000 to within the limits( ie less than 100 excess)

Remember
Mortgage/Rent
Car tax
Fuel
Public transport
Insurances - house, and contents and car
Maintenance of car
Union subscriptions
Dental
Medical
Optical
Food
Phone
Gas
Leccy
Water
Council tax
Clothing
Haircuts
Kids( ? )
Holiday
Birthday/Christmas
Pets.........

And more.......Richie had a definitive list that went on forever but I can`t find it so this should keep you going!!

Awesome! I can see this getting complicated, please bear with me everyone x
£200 Rent (i'm gonna risk it - they can fight with OH)
£10 House Insurance
£5 Union
£15 Water
£20 Birthday / xmas
£350 Housekeeping (2 adults, 2 dogs, 2 rabbits, 2 guinea pigs)
£15 Internet
£5 Open University Materials required
£50 Transport (bus into work everyday)
£50 clothing (office clothes)
£11 t.v license
£29 Pet insurance for 2 dogs
£42 Council tax (for my share)
£50 Gas/Electric (for my share)
£30 Holiday savings
£30 Mobile Phone
£8 Prescriptions
£15 Dental
£10 Dry Cleaning
£20 Dog Care (Food)
£10 Hairdressing
£25 Maintenance and repairs
£15 Landline


£1250Gross Income

£1,015 so far :T

G-G_4

Awesome! I can see this getting complicated, please bear with me everyone x
£200 Rent (i'm gonna risk it - they can fight with OH)
£10 House Insurance
£5 Union
£15 Water
£20 Birthday / xmas
£350 Housekeeping (2 adults, 2 dogs, 2 rabbits, 2 guinea pigs)
£15 Internet
£20 Open University Materials required, Travel to seminars.
£50 Transport (bus into work everyday)
£50 clothing (office clothes)
£11 t.v license
£29 Pet insurance for 2 dogs
£42 Council tax (for my share)
£50 Gas/Electric (for my share)
£30 Holiday savings
£30 Mobile Phone
£8 Prescriptions
£15 Dental
£10 Dry Cleaning
£20 Dog Care (Food)
£10 Hairdressing
£25 Maintenance and repairs
£15 Landline


£1250Gross Income

£1,030 so far :T

G-G_4

I will email DebtDoctor then and ask him, any idea how to do this?

betterlatethannever

G-G wrote: »

I will email DebtDoctor then and ask him, any idea how to do this?

Go here http://forums.moneysavingexpert.com/showthread.html?t=646525
he's the last poster. Left click on his name and then click on 'send a private message to DD'

G-G_4

betterlatethannever wrote: »

Go here http://forums.moneysavingexpert.com/showthread.html?t=646525
he's the last poster. Left click on his name and then click on 'send a private message to DD'

Thank you :beer:

I have messaged him and explained about the post and hopefully he will be able to have a look for me when he is next free... fingers crossed.

Thanks for all the help, I have got expenditure out to a pretty high level now, and if nothing is disputed then I will be ok I guess.

Might even be able to add some bits on..

Am I allowed to add on more for transport as my family lives 150 miles away and so I am guessing it is acceptable to visit? or is this seen as a luxury?! (which it isn't ! :rotfl: )

Addicted2Chocolate

I would not allow any rent , sorry. Unless you can proove you have been paying this amount since the BO, ie provide copy bank statements. Think about it from OR's view: they have accepted you have no interest in the property and its not an asset in bankruptcy. But now you want to contribute to mortgage? Why should they allow that? You are allowed to make reasonable contribution to all bills like gas electric council tax water tv licence, phone internet etc, but you cant pay a mortgage thats not in your name. Remember that whatever the surplus is, you will be left with a share of it to do what you wish. You can use that to make contribution to his mortgage iof you want.

G-G_4

Thanks for the info Addicted, I wasn't sure about the rent I must admit..