oh sorry i dont think i made myself clear i have advised IP and we are just doing the yearly review 1 month early as it was due april anyway, my concern is the fact they will want us to still struggle as we have survived thus far

hi all i have my yearly review but i am looking for a little advice, when i set up my iva my partner was not working however last week my partner did get a part time job and as its review time i will be including his wage when the iva was set up for the budgets we went for the bear min we could to f...

HI JENSTOWN

CONGRATS ON YOUR f&f

can i ask what your proposed pence in the £1 was for the creditors to have accepted £0.09 in the £ seems low

thanks for your help

thanks for some tips i think i will work weekly like a few others do although monthly pay and cild benifit is monthly i think i will feel i have more if i have a bet every week

and yes a good idea re keeping reciept for the 2 months prior to review thanks for that

thanks for all the helpful replies i think i was thinking i would have to keep all reciepts and justify every penny

thanks

thanks for that especially the bit re not using clothing allowance everymonth i was concerned i would have to in effect use it or lose it and with having uniforms one month might be heavy on spend but the odd month might be no new clothes

thansk

hi

if i able to save out of my allowances surely then my ip would say my allowances must be too high so therefore would i be better making sure every penny is shown as used, as would a ip on ayearly review not want to see my full years bank account to confirm all my spending

thanks

like the idea of taking cash out once a week might try that one

thanks

hi sorry for all the questions but i do have another i would like to have others experience in how they budget i feel i am getting a bit excited about budgeting in a iva. my idea is to draw up a spreadsheet so i can keep a running total of what my balance, income and outgoings are i would have liked...

thanks for all the advice great help

hi all

at each yearly review if i have managed to save anything out of my allowances or if i get to keep any overtime money made and save, would i then have to give them to my iva if i keep them in a bank account.

thnaks
tilly

hi although i ask the question it is because i am exploring all my option and i am not yet in a iva but think it may be my best option from my research i just found it hard to believe from reading previous posts some IP will let changes go until a yearly review (where they will pick up changes in wa...

hi i am very new to the forum and have been reading alot of post which have answered load of my initial questions one i was hoping you could help with is tax credits i understand employee wages and if they go up mis year before your review depending on ip you may have a review or it just may be left...