New "income support rates"????just need some clarifications

[Terpe]

does it mean that say if we start our 6 months bank statement this month of april or may, my hubby's bank statement at least must have 111.45 left after expenses weekly not 105.95 the basis anymore?..sorry for keep repeating it,just really wanted to be sure..would be glad to hear reply from others as well...
thank u

I hope I can explain this for you. If you still feel confused please don't be shy to ask questions again, I have no problem for questions

The ECO will eventually want to be sure that AFTER taking account of regular non-discretionary expenditure (such as rent or mortgage payments, council tax and secured loans etc) there is an amount remaining of not less than the income support levels.
This does not mean to say that you must save any specific amount each week/month etc.
It's also not an amount left over after all expenses. It's only the non-discretionary expenditure. (ie the expenditure that you have no choice on)
Spending on food for example is considered discretionary. You choose what to buy and how much to spend.
It only means that you must have that amount available to spend if you so wish.
Just for example if your husband is spending £111.45 on clothes and video games and not actually saving anything, he still has that amount of 'disposable income', just that he is spending it.

Hope this helps

[chieldave]

I hope I can explain this for you. If you still feel confused please don't be shy to ask questions again, I have no problem for questions

The ECO will eventually want to be sure that AFTER taking account of regular non-discretionary expenditure (such as rent or mortgage payments, council tax and secured loans etc) there is an amount remaining of not less than the income support levels.
This does not mean to say that you must save any specific amount each week/month etc.
It's also not an amount left over after all expenses. It's only the non-discretionary expenditure. (ie the expenditure that you have no choice on)
Spending on food for example is considered discretionary. You choose what to buy and how much to spend.
It only means that you must have that amount available to spend if you so wish.
Just for example if your husband is spending £111.45 on clothes and video games and not actually saving anything, he still has that amount of 'disposable income', just that he is spending it.

Hope this helps

Wow thanks for that reply sir,,,it lightens me bit...guess me and my hubby bit had wrong understanding with what we supposed to plan...if you don't mind sir I will just share what we thought to do before I have read your reply,,,I will welcome opinions,suggestions ideas or changes that may help with...
=Hubby has no savings left from his account due to wedding and his visit here last November.Then when he came back there he needs to paid those some due payments he left there(non-discretionary),then the money left each month from last December til last month March been used to discretional expenses(still recovering from some other payments and kitchen repair thingy) so we decided not to start the statements to be shown for until regular flows in out will happen....
=Now,since from this april month regular flows back already,so we decided to start the statement till 6 months that will be on september,at least those money left will be put on savings account as well so at least we have some savings to be shown(better than nothing),BUT
=since we realized that it will take long months before we able to complete it,we can't take longer to be away and not see each other again so we have this plan that he will come here by November exactly our 1st anniversary and that will be the time as well that we will going to apply my spousal visa...we thought its nice idea the fact that not only that we gonna be together on our anniversary,he as well be here with me during that nervous month,BUT
=the fact that he gonna be here means additional expenses for flight coming here and expenses of his stay and not forget the cost as well for visa fees and other documents to be passed.....AND SINCE
=he don't having savings yet so we thought that this money we can save(money left after expenses) from april till june we'll be use for all coming expenses(visa fee and other documents,his flight,his expenses of staying here) and rather we will just start july statement till october that will be shown to embassy where the flow in out is clean and money left as well will be clear enough that its in there,save, and we just transfer it on savings account.........that's what we supposed to plan...
BUT AFTER READ YOUR REPLY,SOMETHING A CHANGED PLAN ON MY MIND THAT GONNA SHARE IT TO HIM BUT NOT SURE IF ITS RIGHT(pls correct me if I'm wrong )
I understand that on his monthly income,what ECO need to see is there's still money left AFTER non discretionary expenditure...so let say for example from this month of May till October he earns 1,200 each month minus 500(non-discretionary,which i think that's called direct debits on his account monthly ie. mortgage,gas,electricity,water,council tax) leave him 700 pounds where on that he use to get his food and money he sending to me monthly leaving say 500 pounds cash or more on monthly bank statement then we gonna transfer it on
his savings account each month that will be continue till October at least we have savings to present at embassy say 2,000-3,000.BUT on that savings is where we gonna get our visa fee/ requirements cost/his flight for November/might get few expenses of his stay here leaving say 1,500 on savings account...MY QUESTION IS,do u think it's just fine the plan about withdrawing money from savings we have for visa fee/ requirements cost/his flight for November/might get few expenses of his stay here) ,and that withdrawals might happen during may,june and october which obviously will be seen by embassy?
REASON FOR WITHDRAWAL BY
MAY = ENGLISH TEST and other expenses of it
JUNE= BUY TICKET for his coming in november
OCTOBER END WEEK = visa fee to pay

Humbly lighten me this
thank you
My apology if me wrote this in a wrong thread