HOUSEHOLD EXPENDITURE

UPDATED JANUARY 2010 FROM OFFICE OF NATIONAL STATISTICS DATA FOR FAMILY EXPENDITURE 2008/2009 IMPORTANT NOTES 1) The figures in the table are average household spending in England for non-bankrupt households, which includes the use of credit. 2) Regional variations in some expediture categories must be considered and local knowledge applied where appropriate. 3) The figures are a guide to compare against the bankrupt's claim for a particular expense, not as an amount that can be automatically claimed. 4) Examiners should seek evidence where an amount claimed does not appear reasonable or fit the particular circumstances. 5) 'Other possible essential expenses' listed are those commonly claimed but evidence should be sought of actual expense. 6) Items listed as non-essential are those requiring closer examnination, but the list is not exhaustive. 7) Where available Examiners should compare alternative sources of declared expenditure such as debt management plans or IVA's. 8) The figures provided include expenditure on children where they are dependant members of the household. 9) Examiners should refer to Technical Manual chapter 31.7.18 to 31.7.38 for additonal guidance on allowable expenditure. Technical Manual Single retired adult Single non-retired Single adult with Two adults with 2 Two adults with no adult 2+ children children children variable £329 £79 £33 £44 £57 £20 £111 variable variable £499 £82 £34 £55 £192 £66 £142 variable variable £383 £82 £34 £54 £171 £58 £111 variable

Categories of essential expenditure

Mortgage payments or rent on your home variable variable 31.7.36 Housekeeping, including food and cleaning £181 £179 Gas, electricity, other heating £53 £68 Water £22 £28 Telephone charges £23 £34 Travelling to and from work and other essential journeys (personal transport) £31 £84 Travelling to and from work and other essential journeys (public transport) £11 £29 Clothing £31 £39 31.7.25 Maintenance payments #1 and fines #2 31.7.32 Council tax #3 variable variable #1 Formal arrangements only - calculated from net income x 15% for one child, 20% for two children, 25% for three plus children #2 Court imposed fines only - these cannot be included as bankruptcy debts #3 Council tax average for England between £90 - £130 per month #4 Prepaid prescriptions charges (PPC) - £27.85 for 3 months £102.50 for 12 months - check for exemptions Other possible essential expenses - See Technical Manual TV licence (£142.50 per year or £12 per month) Insurance policies (except motor) Mobile phone costs Dry cleaning Children's school meals (check for exemptions) After school clubs and trips Childcare - if parent/s are working Dentist Prescriptions #4 (£7.10 per item) - England Opticians Pets (evidence to be provided) Professional body membership (unless paid by employer) Hairdressing and personal care Rent arrears Holidays Not considered essential expenditure - See Technical Manual Social and entertainment expenditure Pocket money for children Gym membership Sports and club membership Satellite and cable TV Broadband computer costs
31.7.34 31.7.32 31.7.33 31.7.33 31.7.35 31.7.35 31.7.19 31.7.19 31.7.22 31.7.23 31.7.28/29 31.7.28/29 31.7.21 31.7.20 31.7.21 31.7.30 31.7.27 31.7.31 31.7.26

34 31.7.7.34 31.Alcohol Cigarettes Private healthcare 31.21 .7.