List of expenditure

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look_divine

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Post by look_divine » Sun Aug 17, 2008 1:36 pm
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is there a list anywhere of what can be added to outgoings for an IVA
want to list everything I pay but unsure as to exactly what you can list
thanks
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Til

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Post by Til » Sun Aug 17, 2008 1:51 pm
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Hi look-divine,

Here is the list we used but you may need to add more to be sure of all your bills:

Building / Contents Insurance
Water Rates
Electricity
Gas
Life Insurance
Council Tax
Mortgage
Childcare
TV License
Mobile Phones
Telecoms including Sky & BT
Car Insurance
Car Tax
Fuel
Food & Household Goods
Breakdown recovery (car)
Vehicle Maintenance
Personal Hygeine, Haircuts, Glasses
Clothing
Contingency

Sure peeps on here will spot some I missed but everyone is different - I went through 3 months of bank statements too to see what went out in case i missed anything - your IP will be able to prompt you though so you don't miss anything - good luck! [:)]
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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look_divine

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Post by look_divine » Sun Aug 17, 2008 1:53 pm
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whats contingency?
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look_divine

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Post by look_divine » Sun Aug 17, 2008 1:54 pm
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im sure i have read that they allocate a specific amount for such things is there no list of them?
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Lisa2009

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Post by Lisa2009 » Sun Aug 17, 2008 1:56 pm
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Contingency is an allowance (quite often £50 per month) to cover the unexpected like things in the house breaking.
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


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look_divine

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Post by look_divine » Sun Aug 17, 2008 1:58 pm
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oh right thankyou having a blonde moment lol
and yes im blonde no offence to blondes lol
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emma_t

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Post by emma_t » Sun Aug 17, 2008 2:30 pm
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If you have pets do not forget to factor in pet food and insurance into your income and expenditure x
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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MelanieGiles

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Post by MelanieGiles » Sun Aug 17, 2008 2:38 pm
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An IP will be able to go through all of the categories with you and help you work out your expenditure budget to suit your current and future financial situation.
Regards, Melanie Giles, Insolvency Practitioner
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look_divine

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Post by look_divine » Sun Aug 17, 2008 3:26 pm
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thanks emma
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aguise

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Post by aguise » Sun Aug 17, 2008 3:38 pm
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I know you put hygeine down divine but have you included prescriptions and dentist in that.

Ang
Please visit my blog at http://aguise.blogs.iva.co.uk/
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look_divine

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Post by look_divine » Sun Aug 17, 2008 3:59 pm
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well i will receive working tax credits so i think prescriptions and dentist are free with that or m i wrong?
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kallis3

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Post by kallis3 » Sun Aug 17, 2008 4:20 pm
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I've just had a quick look for both, but it doesn't look as though you can.

Could be wrong though.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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angelrainbow

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Post by angelrainbow » Sun Aug 17, 2008 4:25 pm
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Think you need to be out of work or working less than 16 hours and claiming income support to get free prescriptions etc...I get mine free on medical grounds, which is handy!
Completion Certificate received September 2012.
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kallis3

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Post by kallis3 » Sun Aug 17, 2008 4:27 pm
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Thought so.

look divine, if you visit the HM Revenue and Customs site and check working tax credits, there is a form on there you can fill in to see if you are eligible and how much you are likely to get.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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look_divine

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Post by look_divine » Sun Aug 17, 2008 5:59 pm
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i think it depends on your earnings i know my sister in law receives free prescriptions etc
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