my budget figure for food was £260
school meals £40
My meals at work only allowed £30 (£1.50 per day!!!!) no dry cleaning or household repairs or school trips!! Just me and my six year old son though
One thing that Payplan have which is good is an application called justabank which gives you all the information you need regarding your IVA including all your payments to date which is very informative also you can e-mail your IP direct though this facility & in my experience the response has been swift which is good if you have any urgent issues!
There are no guanrantees at the end of the day so go with your instincts I personally can only to date say good things[:)]
For all of you who are being told what you are allowed to spend - please insist that you use your actual figures, unless these exceed the CCCS maximum guidelines in which case you may need to see if it would be possible to make cuts.
If you do not operate your IVA on the basis of your actual expenditure, it is likely to fail within the early months on affordability.
I'm surprised you were allowed to claim £35 for Sky Jan, the normal allowance for that is £21.
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
Mine actually costs more than that, but the official allowance is £21. I fund ours out of our social allowance plus whatever else I can shave off the allowances.
We rarely go out anywhere so that is our entertainment. Daughter does give us a little towards it as she has Sky HD and we don't!
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
That is the spirit IVAs4us - get ready for the budgeting times - hard but achievable if you set the necessary targets.
If savings on one class of expenditure is allowed this can be used to spend as you see fit.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
