Is there an acceptable or standard amount

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steviebluenose

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Post by steviebluenose » Sun Sep 26, 2010 4:42 pm
Is there an acceptable or standard amount for expenditure calculations for Housekeeping .. which presumably includes all food, toiletries and anything else we might need in the house??

There are 2 parents, an 18 year old and a 16 year old.

We have been allowed £480 a month which is about £16 a day which sounds a lot if you say it quickly ... but not when you run out of veggie oil, milk, toilet rolls and bin liners on the same day :)
 
 

Shining

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Post by Shining » Sun Sep 26, 2010 4:44 pm
Hi there, I always put what we spend and hopefully it's accepted but if I do there are guidelines that IP's have to work to. Are you struggling? x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Adam Davies

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Post by Adam Davies » Sun Sep 26, 2010 4:46 pm
Hi
That doesn't sound far from the upper limits that the CCCS advise.
How much do you feel that you need each month ?
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Andam Davies
 
 

back on track

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Post by back on track » Sun Sep 26, 2010 5:03 pm
im not too different from you and im allowed £545 a month and it just about covers things.
have a word with your ip and see what can be done
cc received 6th January 2014 now upwards and onwards
 
 

Pandy

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Post by Pandy » Sun Sep 26, 2010 5:10 pm
I think everyone seems to have different amounts, We are 2 adults only and we are allowed only £251 pm(dont ask me why the 1 is there). We havent found this a problem although 5 week months are more of a challenge
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fuzzy_dunlop

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Post by fuzzy_dunlop » Sun Sep 26, 2010 5:40 pm
i've just been on about this on another thread i'm claiming 600 a month for house keeping thats for 2 adults 1 18 year old at college and a 13 yr old it works out at 4.94 per person per day (including 5 week months)

its not a vast ammount when you work it out like this weve been struggling along on a 450 pm housekeeping budget .
most months we have spent every penny we earn .

its a pity there isn't a better way to calculate i&e its far too open to dishonesty and i don't blame anyone for making guidlines but im willing to bet the vast majority in an iva are short changing themselves on the housekeeping budget.
 
 

MelanieGiles

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Post by MelanieGiles » Sun Sep 26, 2010 6:01 pm
Under new CCCS guidelines for three adults and one child the upper limit would be £538.
Regards, Melanie Giles, Insolvency Practitioner
 
 

carole2662

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Post by carole2662 » Mon Sep 27, 2010 9:14 am
We get £320 for two adults and an extra £80 for my 21 year old son who is at uni, so £400 per week.
 
 

kallis3

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Post by kallis3 » Mon Sep 27, 2010 10:57 am
Was that supposed to be per month Carole?[:D]

I could live like royalty on £400 a week!
Sharing from experiences of dealing with debt
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steviebluenose

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Post by steviebluenose » Mon Sep 27, 2010 12:30 pm
So my IP just said that as my daughter is now 18, she is no longer regarded as a dependant and therefore they want to review (reduce) my budget.

So even though she is now going to Uni, but home for 20 weeks a year, we are not allowed to contribute.

In fact our IP is suggesting that she should be contributing (even though she is going to Uni), although she is not allowed to claim any grants from the government as apparently we are 'rich'. So maybe she can get a job when she is at Uni ... which will cover her food and drink, plus the extra that she needs to pay for her room because the loan doesnt cover all of it.

But then what about the 20 weeks when she is at home???? Nobody will employ here for just a few weeks at a time. She wont be able to claim 'dole', and we cant include anything for her in our IVA budget .... sounds like nobody cares about real life ...... I was told we could review the situation when the kids got to Uni, but apparently that just means we will reduce your budget and then leave you to it ....

Is anyone suggesting that kids shouldnt go to Uni if their parents got into financial difficulties in the past ?? So do the kids futures change because of it ?? I would say that was fair ... except 'the creditors' imply that over 18's are not our responsibility any more .... even though the education establishment insist that our income is the main reason why she gets no help.
 
 

steviebluenose

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Post by steviebluenose » Mon Sep 27, 2010 12:38 pm
And another thing ......

So I wonder if as she is over 18 there is 'an expectation that she will contribute to board and lodgings' in other words as well as removing any allowance for her, they will expect her to contribute rent and therefore I will be expected to receive even more income (from my daughter) and therefore I will get even less in the budget ....... these people need to get in the real world.

Or maybe we need to throw her out of the house so that it 'pleases' the creditors ... but even if we did that the education establishment wont contribute anything for 24 months .... thanks!
 
 

kallis3

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Post by kallis3 » Mon Sep 27, 2010 1:36 pm
My daughter was at Uni when we started the IVA, there was never any mention of us not being able to include her in our housekeeping budget, especially as she lived at home.

She has now finished, only has a part time job which just about pays for her car, insurance and phone and she splits her time between us and her fiance's house.

We've never been told that she should be contributing to the household.
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.
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Broke of London

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Post by Broke of London » Mon Sep 27, 2010 5:14 pm
Hi Steviebluenose, hope you get this sorted. Your case administrator sounds like a jobsworth. Speak to your IP directly.
 
 

steviebluenose

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Post by steviebluenose » Mon Sep 27, 2010 5:28 pm
Will do.
Actually I have a letter that says our annual review was based on 2 adults and 1 child. So thats either already taken into consideration or it was a typing error.

Hopefully the first of those, and I can just get on with paying my monthly instalments.

18 down 42 to go..... roll on 2014 :-)
 
 

Broke of London

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Post by Broke of London » Mon Sep 27, 2010 6:51 pm
You're just ahead of me. I'm 14 down. I can't wait for next month when i'll be a quarter of the way through. It sounds like quite an achievement when you say it like that..a quarter of the way.

Like Melanie said, the upper limit is £538 so they should be able to increase your housekeeping to that at least.

Good luck
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