To calculate the cost of living for chapter 13

Bankruptcy has quite a reputation as a bad omen. But it should as a means to an end rather than a penalty, a tool designed to help people when you are in real trouble. Chapter also known as an employee stock purchase plan provides a stable basis where their economic situation can achieve normal people under control 13 bankruptcy. Calculate your cost of living one helps you make official 22 C, "Development of monthly income courses" and calculation of time and income available, commitment to bankruptcy process.Difficulty: moderately EasyInstructionsThings need: the monthly StatementsMonthly numbers credit card statement StatementsPaperPen billing (for you and your spouse) or PencilComputer spreadsheet program 1make (optionally) a list of all subsistence expenses you figures on a monthly basis. Under the Bills, food, gas, silver lunch children and everything else you can think that go your suggestion for the payment of the Court. Don't forget things you need, but you can purchase all months add such as 2 rank auto oil elements detergent. change clothing and household linen on your list of high priority of low priority. For example, your mortgage is cable be satisfied in your list of your invoice from TV, because it is important. 3Write more low monthly fees each issue of life. If some of these costs vary from one month to the other, towers up to the higher cost, you reach. 4Look your current expenses and decided you can reduce your list of living. Don't forget that at this point you to cut all products luxury need; If not to live the expenses or to go to work is required, it should be cut. 5Group congregate your whole life into logical categories such as "House fees" oder "Auto costs." A computer spreadsheet in Excel or a financial program such as Microsoft Money, created can be useful, but you can hand write the document.