I accidentally posted this in the General Talk forum instead of Ch 7. Sorry for the dupe... Thanks.
I'm nervous about doing our First (and hopefully only Ever) Ch 7. On the expenses list... just by looking around at other peoples recommendations and lists... this is what I've come up with... do you think this is reasonable (I live in Denver, CO). This is for Me, My Wife, and a 14 month old child, (with possible 2nd child on the way, not sure yet, but these estimates don't include that child anyhow)
Rent - $750.00
Electricity - $75
Gas - $60
Water / Gas / Sewer - $40
Cell Phone - $60
DirecTV - $50
Internet - $55
Home Maintenance (Light bulbs etc) - 15
Food - $500 (remember, for 2 adults and 1 toddler) (roughly based on IRS allowable food tables)
Household Items - 75 (includes diapers and wipes for the little one)
Hygiene - 50
Clothing - 100 (for 3 people)
Dry Cleaning - 15
Laundry, Detergent - 35
Average Medical Expenses - 60 (with little one and wife and I, about 60 a month)
Prescriptions and over the counter - 35
Magazines, periodicals, newspapers, etc - 20
Recreation and Entertainment - 75
PResents for Holidays - 25
Charitible Contributions - $25-50 a month
Auto Insurance Currently - $270, probably after bankruptcy, $190
Gasoline - $250+ (figured at about 1000 miles per month per vehicle with about 17mpg (truck and small suv) at 2.20 a gallon (rough average))
Auto Repairs - 50
Vehicle Maintanence - 40 (2 vehicles oil changes and such)
Tolls - 35 (live next to toll road use for work often)
Vehicle Installments - $250.00 (plan to reaffirm one of our vehicles)
Child Care - 400 (day care)
Cosmetics - 30 (baby lotion and such as well as our own)
Haircuts - 15
Work lunches - 50
Bank Charges - 10
Postage - 5
Pet Food / Supplies - 75 (1 Dog and 2 cats that need special food for all 3)
Let me know what you all think.... And quick question... I know that all of these expenses are not listed out like this on the bankruptcy forms are they? and if not, where do they get listed?. Thank you everyone for your hopeful feedback!!! THANK YOU!!!
Shaun
I'm nervous about doing our First (and hopefully only Ever) Ch 7. On the expenses list... just by looking around at other peoples recommendations and lists... this is what I've come up with... do you think this is reasonable (I live in Denver, CO). This is for Me, My Wife, and a 14 month old child, (with possible 2nd child on the way, not sure yet, but these estimates don't include that child anyhow)
Rent - $750.00
Electricity - $75
Gas - $60
Water / Gas / Sewer - $40
Cell Phone - $60
DirecTV - $50
Internet - $55
Home Maintenance (Light bulbs etc) - 15
Food - $500 (remember, for 2 adults and 1 toddler) (roughly based on IRS allowable food tables)
Household Items - 75 (includes diapers and wipes for the little one)
Hygiene - 50
Clothing - 100 (for 3 people)
Dry Cleaning - 15
Laundry, Detergent - 35
Average Medical Expenses - 60 (with little one and wife and I, about 60 a month)
Prescriptions and over the counter - 35
Magazines, periodicals, newspapers, etc - 20
Recreation and Entertainment - 75
PResents for Holidays - 25
Charitible Contributions - $25-50 a month
Auto Insurance Currently - $270, probably after bankruptcy, $190
Gasoline - $250+ (figured at about 1000 miles per month per vehicle with about 17mpg (truck and small suv) at 2.20 a gallon (rough average))
Auto Repairs - 50
Vehicle Maintanence - 40 (2 vehicles oil changes and such)
Tolls - 35 (live next to toll road use for work often)
Vehicle Installments - $250.00 (plan to reaffirm one of our vehicles)
Child Care - 400 (day care)
Cosmetics - 30 (baby lotion and such as well as our own)
Haircuts - 15
Work lunches - 50
Bank Charges - 10
Postage - 5
Pet Food / Supplies - 75 (1 Dog and 2 cats that need special food for all 3)
Let me know what you all think.... And quick question... I know that all of these expenses are not listed out like this on the bankruptcy forms are they? and if not, where do they get listed?. Thank you everyone for your hopeful feedback!!! THANK YOU!!!
Shaun
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