Have some questions when it comes to filling out the means test. Don't really see where entertainment expense, haircuts, laundry expenses, dry cleaning, and student loans fit on there. I understand that student loans are not taken into consideration on the means test, but do the other above expenses figure into the test, or do they just go onto one of the schedules? What about these (for a single person in michigan):
20A - Non mortgage expenses of $431.00 - can I take the maximum like it shows in the default, or must it be calculated out as my ACTUAL expenses
20B - Mortgage/Rent Expense of $1014 - can I take the max. here like it shows in the default, or must this one be what my apartment rent is going to actually be? What if I don't have a place to live at this time? What do I use then?
23 - Ownership costs of a vehicle $489 - can I use this default figure or do I have to use my actual car payment of $125/month (plus insurance or is the insurance calculated in the vehicle operation expense
39 - Additional food and clothing expense - it states that it should not exceed 5% of the standard allowance, so does that mean 5% of $517 for a single person which equals $25.85
20A - Non mortgage expenses of $431.00 - can I take the maximum like it shows in the default, or must it be calculated out as my ACTUAL expenses
20B - Mortgage/Rent Expense of $1014 - can I take the max. here like it shows in the default, or must this one be what my apartment rent is going to actually be? What if I don't have a place to live at this time? What do I use then?
23 - Ownership costs of a vehicle $489 - can I use this default figure or do I have to use my actual car payment of $125/month (plus insurance or is the insurance calculated in the vehicle operation expense
39 - Additional food and clothing expense - it states that it should not exceed 5% of the standard allowance, so does that mean 5% of $517 for a single person which equals $25.85