income and expenditure

[shelly]

Hi all, my 2nd annual review has just come through to complete so just checking this looks okay. Im with DFD and no problems upto now:)My usual payment is £216.00 a month

Oh, i have IVA and my hubby doesnt. For 2 adults, and two children - aged 4 yrs and 1yr.

Income - Hubby - 880
Me - 1760
Child Benefit - 130 = 2770

Outgoings - Buildings Ins - 19
Water - 30
Electric - 50
Gas - 91
Car Insurance x2 - 111
Car tax x2 - 33
Fuel x2 - 170
Vehicle maintainence x2 - 66
Life Ins - 19
Food and Household goods - 450
Personal hygiene - 50
Clothing and shoes - 90
Childcare - 335
TV licience - 17
Contingency - 50
Mobile phone x2 - 40
Hubby's allowance for 2 existing credit cards -100
Sky tv, phone and internet - 30
Childrens activities/clubs - 30
Mortgage - 600
Council Tax - 76
Nappies - 45
NMC nursing registration fee - 7
Hubbys other commitements - Edge card - 17
Sky sports - 24
Total - 2550

What does anyone think, my household and clothing has gone up with babies milk, childs uniform/shoes and 3 sets of clothes for baby this yr (9-12 mths, 12-18 mths and 18-24 mths)
Income - outings - 220 left for IVA payment.

Thanks in advance.[8D]

[kallis3]

The best thing to do is to put down exactly what you spend, no good trying to cut corners as that is asking for trouble.

Did you have any problems with your Sky subscription last year? The reason I ask is that you are usually only allowed £21 for Sky TV, so don't know if they will say anything about the Sky Sports.

[shelly]

Thanks for your reply, the amounts i put down is what i do spend, but its just nice getting someone to look over it, last yr i was allowed £22 for sky TV, however i need internet for work etc now.

As for the sky sports, that was my hubbies decision to have it (i cant stand it personally) however my hubby is not in the IVA so i expect he should not really be penalised or disadvantaged because of my debt? but his income is taken into account.

[kallis3]

You might be ok then if it's your hubbies.

You can but try!