Line 19A, National Standards: food, apparel and services, housekeeping supplies, personal
care, and miscellaneous.
! The following expenses are covered by the National Standards and may not be
counted separately elsewhere:
! apparel and services (includes shoes and clothing, laundry and dry cleaning,
and shoe repair);
! meals at home or away (unless unreimbursed business expenses);
! housekeeping supplies (includes laundry and cleaning supplies; other
household products such as cleaning and toilet tissue, paper towels and
napkins; lawn and garden supplies; postage and stationary; and other
miscellaneous household supplies);
! personal care products and services (includes hair care products, haircuts and
beautician services, oral hygiene products and articles, shaving needs,
cosmetics, perfume, bath preparations, deodorants, feminine hygiene
products, electric personal care appliances, personal care services, and repair
of personal care appliances)
! miscellaneous personal expenses.
! National Standard amount that may be claimed is based on the debtor, the debtor’s
dependents, and the debtor’s spouse in a joint case if the spouse is not otherwise a
dependent.
Line 19B, National Standards: health care.
! National Standard amounts may be claimed based on debtor, debtor’s dependents,
debtor’s spouse, and the age of household members.
! Actual mounts expended by the debtor exceeding the National Standards that are
required for the health and welfare of the debtor, debtor’s dependents, and debtor’s
spouse, which are not reimbursed by insurance or paid by a health savings account,
may be claimed on line 31.
Line 20A, Local Standards: housing and utilities; non-mortgage expenses.
! Based on county of residence; see line 14 for resolving multiple residences.
! The following expenses are covered by the Local Standards and may not be counted
elsewhere:
! maintenance and repair;
! homeowner association dues;
! condominium fees;
! gas, electricity, water, heating oil, bottled gas, trash and garbage collection,
wood and other fuels, septic cleaning;
! basic telephone and cell phone service.
Line 20B, Local Standards: housing and utilities, mortgage/rent expense.
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