Thinking about bankruptcy

maxmycardagain

shadowdragon wrote: »

that £1200 seems a little low tbh, just me and my partner our outgoings are £1k a month and our rent is only £280ish per month, I think you have been a little over careful there.

Expenses

Housing
Rent 306.28
Council Tax 66.6
Water Rates 0
Gas 40
Electricity 60

Services
Telephone 40
Mobile Phones 30
Internet 0
TV License 12

Motoring
Road Tax 18 Insurance 46.53
Recovery
Fuel/parking 40

Housekeeping
Food, toiletries, cleaning 250
Tobacco 45 ...................................?
Hairdressing 10
Medicines/prescriptions 31.3 ..........?
Dentist/Opticians 13

Totals 1008.71

This is mine, based on exact rent. counil tax ect and good estimates ect, dont forget things like medicines and prescriptions for all in the house. We didnt include clothes ect, but im speaking to the CCCS in two weeks time and they only need a rought budget. They will prob add and remove from this but its about right i think.

Ok it didnt come out in tables from the copy paste from spreadsheet but the numbers are in £

does the OR accept claims for smoking in a SOA I&E?

and you spend £30+ every month on prescriptions? i get mine free due to my condition, have you priced up a pre-pay thingy?

i pay £10 a month with virgin mobile and £25 landline, both with adequate inbuilt minutes

philnicandamy

Prescription Pre-payment scheme http://www.ppa.org.uk/ppa/ppc_intro.htm
(£10 a month--£120 a year in total)

the OR wont allow tobacco in your SOA

memessedup

thanks for support from you all im in between nights at the mo so just starting to catch up.
good luck on monday toon dave.
hope every goes well with your first baby miss monroe
generally thanks to all
tried the soa but me not being a typist or computer literate
think memessedup with that as well.wiil try again during the week after catching up on some sleep.
to maxmycardagain not to worried about the amount that goes to the ipo at this moment in time i just need to get my life sorted and back on track. ive spoke to cab. still waiting for my response as to which way to go reading with the help and advice im seeing i think im getting closer to making my decision.
thanks all for now

Toon_Dave

TY memessedup, Good luck with the SOA calc. and i'll post updates re the BR on monday

Dave X

shadowdragon

maxmycardagain wrote: »

does the OR accept claims for smoking in a SOA I&E?

and you spend £30+ every month on prescriptions? i get mine free due to my condition, have you priced up a pre-pay thingy?

i pay £10 a month with virgin mobile and £25 landline, both with adequate inbuilt minutes

I dont know what the OR will allow ive put down what I pay for now ready for the CCCS interview, I would imagine they would advise the same, I didnt know about the prepay scheme for prescriptions, I was paying for them when working, when i stopped working i was on Income support and got free ones, now im on benefits that are not elegible for free prescriptions, my partner and I just sat down and worked out how much a month we spend on things.

The telephone is phone and internet combined, wont the OR allow Internet access either??? cos its all bundled together??