Okay, I have been barely getting by month to month with only occasional help from my fiance in terms of paying some of the house expenses.
This is the deal....right now my income is $2200. My expenses are as follows..
House Payment: $822
Utilities: $385 <---IRS standards for my area
Food/HH Items: $517 <---IRS standards
Auto operation: $201 <---IRS standards
Auto Insurance: $50
Cell Phone: $30
This totals $2,005. I also decided to add a tithing figure of 10% of my gross income ($220) which would put me at $2225, a negative rating on the means test. I do tithe sometimes at my church, but not as much as I want/should in the past. This has been on my conscience for a long time.
Will a trustee object to this? Also, there might be other expenses Im leaving out but cannot think of right now. What are your opinions? Am I missing a common expense? I have no car payment and my current car is only worth $2000 or so.
My fiance contributes $300 when she can but thats not every month, maybe 1 out of 3 or 4. She is in school, works two jobs herself to pay off her own debts she got dug into when she was in high school. Your thoughts?
This is the deal....right now my income is $2200. My expenses are as follows..
House Payment: $822
Utilities: $385 <---IRS standards for my area
Food/HH Items: $517 <---IRS standards
Auto operation: $201 <---IRS standards
Auto Insurance: $50
Cell Phone: $30
This totals $2,005. I also decided to add a tithing figure of 10% of my gross income ($220) which would put me at $2225, a negative rating on the means test. I do tithe sometimes at my church, but not as much as I want/should in the past. This has been on my conscience for a long time.
Will a trustee object to this? Also, there might be other expenses Im leaving out but cannot think of right now. What are your opinions? Am I missing a common expense? I have no car payment and my current car is only worth $2000 or so.
My fiance contributes $300 when she can but thats not every month, maybe 1 out of 3 or 4. She is in school, works two jobs herself to pay off her own debts she got dug into when she was in high school. Your thoughts?
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