income expenditure

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indebtforever

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Post by indebtforever » Tue Jul 15, 2008 12:06 pm
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hi has anyone got any ideas what i have missed from my new list? i dont have any allowance for fags is this possible?2 daughters school busfair does this come in housekeeping?[:I]
Last edited by indebtforever on Tue Jul 15, 2008 12:07 pm, edited 1 time in total.
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MelanieGiles

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Post by MelanieGiles » Tue Jul 15, 2008 12:08 pm
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It is often possible to have an allowance for smoking in an IVA, but for your own health and financial benefit I would try and see if you could cut down the expenditure on that particular area.
Regards, Melanie Giles, Insolvency Practitioner
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johnt

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Post by johnt » Tue Jul 15, 2008 12:21 pm
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MelanieGiles wrote:

It is often possible to have an allowance for smoking in an IVA, but for your own health and financial benefit I would try and see if you could cut down the expenditure on that particular area.
I doubt most IPs would be sympathetic to make allowance for smoking. I'm sur ethe majority will not.

School bus fair should be included under monthly travel expenses.
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MelanieGiles

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Post by MelanieGiles » Tue Jul 15, 2008 1:06 pm
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It's not the IP's place to say yes or no - that is the right of the creditors.
Regards, Melanie Giles, Insolvency Practitioner
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Endsmeet

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Post by Endsmeet » Tue Jul 15, 2008 1:08 pm
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I can only echo what Melanie has just said, no-one wants your IVA to fail so if smoking etc is part of your monthly I&E you should include it and the rest is up to your creditors.
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chardonnay

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Post by chardonnay » Tue Jul 15, 2008 5:34 pm
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Hi,
I don't think you get any allowance for smoking (I know I certainly don't!!). I'm trying to stop, which I hope will get easier when stress levels go down - you can get free patces, inhalers, tablets to help and support you from your GP and the NHS in general. At the moment my OH (He met me after I started my IVA) buys me some or I go without food items to cover the cost!!
Bus fares should be coered I would have thought - as said before in the monthly travel with a note to explain what the costs are for.
I hope you get a good result with the new list,
Good luck,
Chardonnay
Chardonnay
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james.c

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Post by james.c » Tue Jul 15, 2008 7:08 pm
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i got an allowance of £20 a month, but i stopped once my twins born.
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cat 1

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Post by cat 1 » Tue Jul 15, 2008 9:54 pm
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Well done James.Cat
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