- Fri Jun 10, 2011 9:51 am
What I mean by "emergencies" is ..... What happens if the washer packs in...? or the cooker blows up?
How would I be able to contribute towards their replacement if I didn't put aside money every month for such "emergencies".
The "emergency" allowance that I was hoping to claim for, is really an insurance policy(of sorts) that would allow me to contribute towards the replacement of worn or broken appliances, as and when required.(or anything else, for that matter)
That was always the argument that I put forward in my DMP, which I thought was reasonable.
The one worry that I've got with the OUTGOINGS submissions is that it would appear that you only have one shot at getting it right, and making sure that EVERYTHING is claimed for.
For instance, I can't see that six months down the line, you can ring up the OR and say ... " Oh by the way, I've just remembered. I forgot to include my PILE OINTMENT in my outgoings, can you bung another 3 quid a month onto my outgoings, please".
By then - surely - it will be too late.
I'm worried that I have to get it right, as there is no "second bite of the cherry" and that if I've forgotten something(or several things), then If I get an IPO/IPA(I haven't a clue which is which?), then I may struggle to pay my 50% to the household expenditure.
I don't want my wife having the burden of subsidising my half of the expenditure. She already has the burden of living with me to contend with.
Does anyone see what I'm on about ?
My bank manager once said to me " You live like a king on paupers wages - how come" ? When my debts reached £70k, I knew the answer.