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  • FIRST POST
    • Singlemumm
    • By Singlemumm 23rd Aug 19, 6:02 AM
    • 111Posts
    • 15Thanks
    Singlemumm
    IPA and moving in with partner
    • #1
    • 23rd Aug 19, 6:02 AM
    IPA and moving in with partner 23rd Aug 19 at 6:02 AM
    Good morning,

    So I have been discharged from bankruptcy 2018 November.
    IPA has been set up for 3y.
    Amount is variable as sometimes I do less hours than usual etc, my OR is absolutely brilliant and very helpful.
    I’m single with one teenage daughter but in nearest future planning to move in with partner.
    I know my bankruptcy shouldn’t affect him but my question is ,I must to inform my OR about partner personal details ?income?we have agreed to pay 50/50 rent ,bills,household expenses, but he earns much more than me so will OR ask him
    to pay more than 50% and this will make me pay more on IPA pls?
Page 1
    • TheGardener
    • By TheGardener 23rd Aug 19, 8:47 AM
    • 2,927 Posts
    • 2,962 Thanks
    TheGardener
    • #2
    • 23rd Aug 19, 8:47 AM
    • #2
    • 23rd Aug 19, 8:47 AM
    No - you don't have to give your partners details. If the OR asks for a new SOA then give them one based on your 50%. The OR may well try and encourage you to give details but you are not obliged to do so.
    • Singlemumm
    • By Singlemumm 23rd Aug 19, 12:52 PM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    • #3
    • 23rd Aug 19, 12:52 PM
    • #3
    • 23rd Aug 19, 12:52 PM
    Thank u so much.
    just want to be ready if OR will push me for details, how I should explain my partner does not have to provide it?
    • Singlemumm
    • By Singlemumm 24th Aug 19, 11:36 AM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    • #4
    • 24th Aug 19, 11:36 AM
    • #4
    • 24th Aug 19, 11:36 AM
    I’m trying to sort out new SOA as I do know OR will ask it ,so want to be ready.
    I will put other person income same as mine if that’s correct?
    So income per month

    £1340
    £1340
    £82 ( child benefit)

    2 adult
    1 teenage

    Expenses per month:

    Rent £800
    Electricity £40
    Gas £40-45
    Mobile phones x3 £60
    Council tax £112
    Water £18
    Internet £20
    Tv £10
    Public transport £120
    Car insurance £90
    Petrol £170
    Groceries £550 ( I have been allowed £340 to me and my daughter so try figure out how much when another adult will be added ?)
    Daughters school expenses £146.64 included school meal ( now she will start college so not sure?
    Contact lenses + glasses £26( it has been approved when IPA has been set up)
    personal costs have been allowed £109 so I put now £163

    emergency funds have been allowed £20 per person so there will be £60
    dentist £56
    car monthly payment is £180

    can someone pls have a look to these?
    at the moment my IPA is £137 per month
    thank u
    • MovingForwards
    • By MovingForwards 24th Aug 19, 2:37 PM
    • 2,526 Posts
    • 2,998 Thanks
    MovingForwards
    • #5
    • 24th Aug 19, 2:37 PM
    • #5
    • 24th Aug 19, 2:37 PM
    Have you accounted for losing your single person discount with the council tax?
    • Singlemumm
    • By Singlemumm 24th Aug 19, 6:25 PM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    • #6
    • 24th Aug 19, 6:25 PM
    • #6
    • 24th Aug 19, 6:25 PM
    I have had no discount as I’m sharing house with other tenant so always paid all bills together ,CT also
    • Singlemumm
    • By Singlemumm 25th Aug 19, 7:33 AM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    • #7
    • 25th Aug 19, 7:33 AM
    • #7
    • 25th Aug 19, 7:33 AM
    Anyone pls can have a look into my SOA ?thank uuu
    • Singlemumm
    • By Singlemumm 26th Aug 19, 11:52 AM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    • #8
    • 26th Aug 19, 11:52 AM
    • #8
    • 26th Aug 19, 11:52 AM
    Actually I have reviewed all things and have putted to calculator:



    Number of adults in household........... 2
    Number of children in household......... 1
    Number of cars owned.................... 1

    Monthly Income Details[/b]
    Monthly income after tax................ 1340
    Partners monthly income after tax....... 1340
    Benefits................................ 82.8
    Total monthly income.................... 2762.8[/b]

    Monthly Expense Details

    Rent.................................... 798
    Management charge (leasehold property).. 0
    Council tax............................. 112
    Electricity............................. 40
    Gas..................................... 45
    Oil..................................... 0
    Water rates............................. 20
    Telephone (land line)................... 0
    Mobile phone............................ 50
    TV Licence.............................. 12
    Satellite/Cable TV...................... 10
    Internet Services....................... 20
    Groceries etc. ......................... 560
    Clothing................................ 70
    Petrol/diesel........................... 200
    Road tax................................ 5
    Car Insurance........................... 90
    Car maintenance (including MOT)......... 20
    Car parking............................. 15
    Other travel............................ 140
    Childcare/nursery....................... 130
    Other child related expenses............ 150
    Medical (prescriptions, dentist etc).... 50
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 10
    Haircuts................................ 50
    Entertainment........................... 30
    Holiday................................. 30
    Emergency fund.......................... 60
    Total monthly expenses.................. 2717








    Monthly Budget Summary

    Total monthly income.................... 2,762.8
    Expenses (including HP & secured debts). 2,717
    Available for debt repayments........... 45.8

    did not know where to put future partner car payments, as its payable every month 180 pounds
    • MovingForwards
    • By MovingForwards 26th Aug 19, 3:23 PM
    • 2,526 Posts
    • 2,998 Thanks
    MovingForwards
    • #9
    • 26th Aug 19, 3:23 PM
    • #9
    • 26th Aug 19, 3:23 PM
    What kind of car payment is it? Lease, HP, bank loan? Because there is normally a section on the SOA for loan payments and I would stick it in that bit as it's not your payment, but does have a knock-on effect with outgoings

    You have child care / nursery but that should probably be under other child expenses.
    • Singlemumm
    • By Singlemumm 26th Aug 19, 3:47 PM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    Thank u.
    I wasnt sure about child expenses as I have teenage daughter, so counted this + partner pays child maitenance.it is all right? there are no child care/nursery.
    car is on oodle car finance.
    Are partner expenses will be in account pls? In my mind it should be, we put income together and expenses as well. Thats correct?
    everything else looks ok for you?
    I just counted approx, compared with allowances that have been allowed to 2 of us (my and my daughter)
    I will not get tax credit anymore once I will move together
    Last edited by Singlemumm; 26-08-2019 at 3:50 PM. Reason: to add/correct things
    • MovingForwards
    • By MovingForwards 26th Aug 19, 4:25 PM
    • 2,526 Posts
    • 2,998 Thanks
    MovingForwards
    Whatever works best for you when it comes to your conflab with the OR

    Depending on how the hot water is heated you will need to account for your partner having a bath/shower so that respective utility bill will increase by a pound or two a week.

    Is you water on a normal bill or meter? If meter then that will increase.

    Your mobile bill has gone down from your other SOA, did you mean for that to happen or have you checked your bills and put the correct figure in now?

    If either of you have regular prescriptions look at a pre-paid certificate as that saves a few quid a year.

    So you have an account to pay your emergency fund, holiday money, dentist etc into so it's clear for you to see not to touch it? (Not sure how ORs are with a pot of cash built up, but you or another member hopefully know)

    Have you got everything written down for when you speak with them and go through your figures?

    Lastly, if you have a note of the figured you previously advised the OR check what you put about the TV licence as only one is required per property and as you are in a home share only one of you needs to pay it and split the cost with the other. -- this is for your benefit and to think about.

    Other members will be along to advise how the couple's accounting works.

    Hope your partner moving in goes smoothly and you get a little something to eat / drink to celebrate the event
    • Singlemumm
    • By Singlemumm 26th Aug 19, 4:44 PM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    all figures I have putted in my SOA above is from all of us.
    I have less allowance atm,but I tried to figure out how all will increase once we move together.
    so for me seems to be acceptable
    will see what OR tells,but I have counted expenses honestly.
    • Singlemumm
    • By Singlemumm 26th Aug 19, 6:19 PM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    I think I need advise if Im thinking correct.
    I though I just will put partners wage same as mine and then will add expenses to my current allowed allowances ( for example if I have been allowed £30 for 2mobile phones, I have added £20 as he spends on it a bit more )
    and also though I should new expenses like diesel that I had none as never had a car.

    That’s how does it works pls?
    • sammyjammy
    • By sammyjammy 27th Aug 19, 10:27 AM
    • 4,757 Posts
    • 5,261 Thanks
    sammyjammy
    I would just stick to an SOA for you and your child, I think you are over complicating things. Just use the figures for your half of the bills and your income, if you do the SOA you have shown then his expenses over and above yours such as car payments will be questioned.
    "You've been reading SOS when it's just your clock reading 5:05 "
    • Singlemumm
    • By Singlemumm 27th Aug 19, 12:37 PM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    well at the moment my household expenses are only for me and my daughter, I though I should put new expenses as it will be family expenses, isn’t ?
    • Singlemumm
    • By Singlemumm 27th Aug 19, 12:42 PM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    I do understand car payments is only partners expenses as he has a car finance, that’s ok.
    but everything like clothing groceries will go up for sure.
    I don’t really want to involve partner in my past debts etc, so wanna clarify it before actual moving and informing OR.
    why petrol can’t be counted as household expenses if now will be more trips comparing when he is alone at the moment?
    sorry for many questions but I don’t get whole point: OR will count his income same as mine( as I will not disclose actual income),but expenses will be the same. that’s not clear to me
    • sammyjammy
    • By sammyjammy 27th Aug 19, 1:21 PM
    • 4,757 Posts
    • 5,261 Thanks
    sammyjammy
    but if you are declaring a false income you are just making it messy and in theory are committing fraud, just say you are keeping your expenses separate.


    I wasn't suggesting you don't update your SOA but if you are splitting things 50:50 just put your income and share, if things increase then so be it, if he is going to be paying out more money and petrol and you feel you should contribute then put the additional amount on your SOA
    "You've been reading SOS when it's just your clock reading 5:05 "
    • Singlemumm
    • By Singlemumm 27th Aug 19, 2:56 PM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    no no,I’m not going to put false income. I will not tell his income at all so in this case OR will count as we put for expenses 50:50.
    I cannot understand why I cannot put ALL household expenses,if it this what you are saying?
    We have agreed to share money for everything so cannot see why my expenses should be separate for SOA if these are household expenses?
    omg I will go mad probably,don’t understand anything now at all
    • debt doctor
    • By debt doctor 27th Aug 19, 9:16 PM
    • 4,539 Posts
    • 6,229 Thanks
    debt doctor
    Hi,

    My view is that you can put down the expenses for the 3 of you, and inform the OR that your new partner will not contribute to your debt situation.
    If you don't provide your partners income then they will apportion a 50 /50 contribution from him.

    This will decide your IPA payment.

    You have already been given some good suggestions on household expenses.

    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
    • Singlemumm
    • By Singlemumm 28th Aug 19, 12:56 PM
    • 111 Posts
    • 15 Thanks
    Singlemumm
    thank u.
    Im sure I will have something to pay on IPA anyway, just was not sure what is better, I can put down only bills + groceries ( these will be split 50/50 ) and all other my and daughters expenses, or put partners expenses also ( then OR could argue why I have to contribute petrol/car insurance or so
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