You put down exactly what you spend. If somethings aren't allowed or need trimming back, then the IP will inform you.
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
£25 will be frowned on as well - I believe £10 is maximum for a haircut.
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
I would doubt that very much. Clothes and dry cleaning I can accept, but not expensive hairdos or nails. You can keep your hands looking nice yourself.
I believe this has been posted about before and the poster was told that these sort of prices would not be allowed.
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
There is more to nails than painting lol.
There is maintenance.
I don't know what you do for work but some people need to be presented a certain way which costs money. Make up isn't cheap either. Buy cheap buy twice or get skin infection. There is good reasons out there. All I'm saying is if you feel it's needed then add it!!!
There is no need to pay to maintain your nails! All it needs is a nail file and some varnish.
Saying cheap make up gives you skin infections is rubbish! Make up doesn't have to be expensive and if you read reviews many of the cheaper brands are at least comparible with the expensive brands.
i think you get my point though.
We fork out for a lot of stuff we forget to add.
I hate when people say to get everything on the cheap. If only life was that simple.
For me to get my apples cheaper I'd have to drive 20 miles
Can i claim for the nail equipment? lol
Afternoon everyone, and a Happy New Year to you all.
This is a very interesting thread, and it is hard not to have sympathy for some of anomalous1's points of view. However, it is also fair to say that, with IVA, as you are in effect asking creditors to potentially write off a very significant proportion of your debt to them, creditors will certainly take the view that you should cut your cloth accordingly and meet them halfway. That is why we have guideline figures to work with, but it is important to realise that they are just that, guidelines.
It is not unreasonable to suggest that, as an example, a self employed beauty consultant is likely to earn far more if she (or he, mustn't be sexist) is well groomed rather than dog eared. Therefore, if she or he earns more the creditors are likely to get a better return. In a case like that, a specific allowance, with full justification in the proposal, is much more likely to be accepted even if it far exceeds any guideline figures. Ultimately the creditors may say no, but the golden rule, as ever, is that if it is necessary and justifiable then put it in and liaise with your chosen provider to present it to the creditors to let them make the decision.
Regards.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself
I'm a lifelong nail biter so no manicures for me! I do think this is an allowance too far, but good on you anamalous if yu have had it accepted. It is a little unfair tho to suggest that people cannot groom themselves to be presentable.
Champagne lifestyle on beer money got many of us into this mess in the first place and it's not about always having the cheapest, just recognising what you can and cannot afford. I work in fashion pr so my professional credibility is judged before I even open my mouth and i completely understand the point about grooming, but I also value the lesson about living within my means.
Whilst in IVA you have to go on the cheap. Anyone in IVA has to hold up their hands and admit like me that i got myself into this mess, the saying i heard was "you have had the good times, now its the bad times". Just about all luxuries are going out of the window for the next 5 years or so. There is no point in trying to stick your head in the sand and pretend that you can just carry on as you did pre IVA. Your creditors will want back as much as possible of the debt you have run up, and trying to justify nail and hairdo's won't wash. You will have no option but to buy cheap to make the money last out. Don't be under any illusion about an IVA, it is not any easy way out, it is hard, b***** hard. It will fix the problem, but only you can make it work. It will take a hell of a lot of discipline and honesty from yourself. It does get easier with time, because you have to develop better spending habits, and year on year you get to keep a bit more of any pay rises that you get etc.
Thank you very much for everyone's advice. Unfortunately we have lived in hard times for the best part of 5 years so as crazy as it sounds we will probably be better off in an IVA. My husband left the Army and we bought a house when house prices were at the top (advised that if we didn't get on the ladder now, then we never would). Of course my husband struggled to find well paid work and my income didn't stretch enough. After a year we admitted defeat and tried to sell the house but of course house prices dropped dramatically and it couldn't be sold so eventually got repossessed. It upsets me that we like many others, we fell victim to cruel change of circumstances. We now have to pay a small fortune for half the cost of our repossessed house without actually having a house at the end of it. Gutted. Foolishly we were so overwhelmed by the debt that we ran away. Stupid I know. Young and naive but now we have a baby son and our future looks bleak. I admit it has certainly taught us a harsh lesson in life which has made me a more mature and a stronger person. I now shop around for the cheapest I can get things and bulk buy when it's on offer. We don't have nice things and never had nice things so to be honest, we won't be changing our lifestyles much if at all. It's just difficult knowing what to budget for and what not. I hate the looks of disgust that can be given to people in debt. Sometimes it's justified but sometimes people just get bad luck. Our story is bad luck and stupidity for hiding.
I agree with Howard that you cannot expect to continue to fund your lifestyle as you did before whilst in an IVA.
Expensive clothes, hair dos etc have to be cut back on. You have to be frugal for the period to pay back as much to your crdeditors as possible.
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
