Will I be allowed to join a gym?

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PaulDebt

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Post by PaulDebt » Mon Jul 09, 2012 6:44 pm
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I have just started my IVA and want to join the gym near my house. It's only £11.99 per month with a £20 joining fee. Will I be allowed?
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Foggy

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Post by Foggy » Mon Jul 09, 2012 6:47 pm
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I doubt it would be included in your allowances, but if you can fund it from those already agreed I doubt there'd be a problem.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Niobe

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Post by Niobe » Mon Jul 09, 2012 6:47 pm
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If you can afford to fund it from savings from your allowances then yes, you can join.
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Pennyless

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Post by Pennyless » Mon Jul 09, 2012 8:13 pm
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Speak to your IP...you may find they can include it in your allowances.
Last edited by Pennyless on Mon Jul 09, 2012 8:13 pm, edited 1 time in total.
I came into this world with nothing and still have most of it left!
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Niobe

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Post by Niobe » Mon Jul 09, 2012 8:25 pm
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I don't think you would be allowed to include this in your allowances. It's more a luxury than a necessity.
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Broke of London

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Post by Broke of London » Mon Jul 09, 2012 10:00 pm
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I have asked to include an allowance towards my yoga practice (50%) as it helps with medical conditions and since starting I have been able to reduce my reliance on medication for both migraines and back problems.

I don't know if it will be allowed though...I suspect not!!!
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Niobe

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Post by Niobe » Mon Jul 09, 2012 10:20 pm
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If it's for medical reasons then I don't see why not. If it's just for keeping fit then I doubt it.
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Broke of London

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Post by Broke of London » Mon Jul 09, 2012 11:04 pm
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At £70pm, I don't think my health will be of interest to my creditors! The two lots of medication only cost £15pm and the daily muscle relaxants have always come out of my housekeeping (the savings are partially offsetting the other £70 but they prob won't see that).
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MelanieGiles

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Post by MelanieGiles » Tue Jul 10, 2012 1:27 am
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If you can fund this out of your sports, hobbies and entertainment budget then why not?
Regards, Melanie Giles, Insolvency Practitioner
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Shining

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Post by Shining » Tue Jul 10, 2012 5:53 am
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I agree why not? There is an allowance available so make sure you claim what you are entitled to.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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mole

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Post by mole » Tue Jul 10, 2012 7:50 am
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Another thumbs up for me. I am a member of the gym and go almost every day. It is a good use of my social allowance, however I had to cancel my golf club membership and football season ticket.
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Michael Peoples

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Post by Michael Peoples » Tue Jul 10, 2012 9:17 am
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I once had a client who was a season ticket holder at Charlton Athletic. I thought he was mad so I put the monthly subscription under medical and it was approved.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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mole

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Post by mole » Tue Jul 10, 2012 9:52 am
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Every Psychiatrist in the land would agree with you Michael.
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Broke of London

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Post by Broke of London » Wed Jul 11, 2012 12:53 am
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I love that Michael!!!! Thinking outside the box LOL :)
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luluj

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Post by luluj » Wed Jul 11, 2012 7:54 pm
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Enjoy the gym ....you need to continue in some activities whilst in an IVA and if it can't be included in your expenditure then I am sure for £12 a month you can find a few savings here and there to make it happen for you !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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