...to clothe one adult and one teen?
After messy divorce/period of homelessness/move to new house I got into debt and have been on a debt management plan for almost five years. I have just had my annual review where I have to give the DM company details of all my income and expenditure (mortgage, bills, council tax, etc.) and all money leftover after basic needs are met goes to my creditors (mostly bank and credit cards) via standing order. So far, so reasonable...
The creditors give the debt management company 'guidelines' as to what is a reasonable amount for debtors to spend on certain items and I totally accept that I shouldn't be living the life of riley while I owe people money. However... the creditors' guidelines state that one adult and one 14 year old child should only be allowed £30/month between them for ALL clothing and shoes, including school uniform. AIBU in thinking this really isn't realistic even though I buy my own clothes second hand on ebay? I am about to spend almost double that next week to replace my DD's school trousers (2 pairs), school shirts (with logo) (2) and a cheap pair of shoes, which probably won't even last until half term...
I really do understand that I have to repay my debts, but AIBU in thinking £180/year per person for all clothes and shoes is just silly? I am constantly having to into the equally meagre food budget in order to manage, ie. we eat baked beans and spuds for a week or a month when DD needs trainers/PE kit, for example.
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AIBU?
...to think £300/year is a pittance...
137 replies
TotallyUtterlyBroke · 08/08/2011 12:21
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