I thought that but I'd hate to have to prove every expenditure to hthat level.Surely it would be best to work in cash and then there's little ability for anyone to argue about what u spend?

Hey Josu,
Is that the norm? U have to track everything u spend and submit it very month? For five years? That's sounds horrible.

Do u know Cccs for a child?

Hi foggy, How r you? Yes I went through it last night. Am bit confused because step change ask how many dependant adults and children in house at the start and then offer suggested expenditure. These figures seem to be counting our'adult' kids but in the beat my debt guide it says kids under 18 so I...

Hi guys,
I'm still thinking about it all but until someone confirms what I can put in for expenditure to I'm really none the wiser. It's hard to know exactly what u spend on some stuff. It's s bit like sticking your finger n the air isn't it?!
You're all right, I need to make a call.

Hi hyperdrive, No not yet. I'm very keen to know what I want before I start asking for it! I've never had so many questions in my life. Googles getting a hammering, I guess I'm worried that if payments aren't made and iva proposal is rejected then we won't have iva and won't have credit and we'd be ...

Hi Kelly, can u let me know whether Melanie advises to stop payments once consultation starts and would I then be able to keep the money I save from not making payments? My car is not gonna survive five year. Missed payments might help me sort something?!

And on the back of slekclarks comment, are u likely to get all these things if u still have a viable amount of money to pay back? Like reccomended food allowance plus an amount for school dinners, work lunches?

Hi Slekclarke, i agree, im looking into IVA's too and have used the stepchange budget tool to get and idea of expenditure allowances and to me they seem generous. I think id be much better off but am really worried about how much people on here are struggling. I even think i might be able to save a ...

The iva budget planners I have looked at have sections for car tax etc and even contingency in expenditure. Is it the case that u just aren't allowed all these things or was it a case putting zero to make the iva proposal acceptable?

hi dlovesg,
can i ask, were you able to save all the money you didnt pay in debt repayments in that two and a half months or did that money have to handed over?

Thanks hyperdrive, sounds good. We pay £1400 a month so even one missed payment on each would be a good pot to have. Theres just so many questions this forum is very helpful.

Mel must be sending u all Christmas cards! Def comes highly recommended. Are you all mel??!! Lol. Back on track, thank you. Do you live well on IVA? no major holidays i appreciate but you can buy the things you need/want? As in clothes, odd meal out etc? were you able to save any money each month? O...

Not looking forward to calls and letters. Hate being in trouble!!
But beggars cant be choosers!
I shall go buy some basics i think.
If anyone has experience of credit card spending being questioned in their iva negotiations then let me know?

i was gonna carry on my payments as i dont want to be harassed and i want to do lots of research over next week or two before going ahead. Plus dont want them getting wind of my master plan! They wont start asking questions in the future about the increase in my use of credit? Although to be fair my...