when i work out my monthly outgoings do i include my unsucurred debt that i'm trying to iva(credit cards or do i just work out my house and living expenses????
You just add up your basic living expenses and subtract that from your income. Whatever is left is what you can afford to pay to creditors. If there is enough left to meet the contractual payments you are solvent and do not need a formal insolvency but if what is left is less than the minimum payments required you need to seek professional assistance.
