S.o.a.

dalip

Looks good. Roughly the OR will allow about £450 hk add that.
Now give us your total income and those outgoings and lets see whats left. Have trawled through all 4 pages of this post and can not find if you OH works(or if they are going bc or not) or not. I am not sure either what benefits the OR allows or ignores towards your income. Sorry this whole post is so confusing.D

Debtless_2

income is £1447.33


outgoings are £1639

need to get that down

OH doesn't work well housewife she is not going BR

dalip

Ok knock off holidays as some OR's allow it some don't and kill the emergencies again some allow it some don't.

I really dont know how you have mangaed so far or how you are going to in the future.

By my workings that leaves you with a deficit of £120 a mth and so £27 a wk that is plausable;) . So go for it.D

betterlatethannever

Agree with Dalip, theres no point in putting down things that an OR might allow for when your in deficit.

I also think your hairdressing will be dropped, but only by £5. Maybe best left and let the OR drop it.

Debtless_2

oh forgot about the child benefit £72 a month but thats not paid to me so should i include it?

dalip

Yes, as it is not counted in your income but you must include it. Feel free to press the thanks button in the bottom right hand corner any time:rotfl: D

peachyprice

How long will you be paying £149 council tax?, do you think you'll have it cleared by the time you start using gas again?

Other than that it's looking fine, I agree that you should leave off holiday and emergencies, as you can't afford it at the moment, it's better to leave them off for now than have them removed by the OR, that way you can add them at a later date if you get a pay rise or anything. And there's nothing to stop you saving that much if you have a bit extra left at the end of the month.

If you leave your housekeeping at £300 you'll come in just about on budget at £1453, that's taking into account £149 for c/t and £70 for gas and electricity every month, so for the summer months you'll be £35 better off, and once your CT arrears finish you'll have that spare.

HTH

peachyprice

Just read your post about child benefit, add that to your housekeeping make it £370 and you'll be bang on budget. Which by the way should be more than enough for 2 adults and 1 child.

Now all you have to do is train yourselves to stick to spending these amounts!

Debtless_2

peachyprice wrote: »

Just read your post about child benefit, add that to your housekeeping make it £370 and you'll be bang on budget. Which by the way should be more than enough for 2 adults and 1 child.

Now all you have to do is train yourselves to stick to spending these amounts!

ok with all the figures listed in the previous pots i get

income at £1539.78 a month

outgoings at £1458.00 a month

is that ok?

don't want an ipa

peachyprice

I make your outgoings £1523, if you put the council tax down at £149 and HK at £ 370