The trick is being honest to yourself - if you agree to accept an unrealistic budget then it will not work for you in the long run. Only you will know whether you can manage on the budgeted figures, and the starting point must be your figures and not anyone elses. If creditors do not then accept your figures, then so be it - they are likely to be the ultimate losers, and there is no point in replacing one set of debt problems with another.
As Ang has said please use the forum for all queries - the experts and experienced posters will probably know most of the answers, and there is no better advice than from others who have been through the same process and come out the other side.
Good luck!
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
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