5 CFR § 845.305 - Ordinary and necessary living expenses.

---
identifier: "/us/cfr/t5/s845.305"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "5 CFR § 845.305 - Ordinary and necessary living expenses."
title_number: 5
title_name: "Administrative Personnel"
section_number: "845.305"
section_name: "Ordinary and necessary living expenses."
chapter_name: "OFFICE OF PERSONNEL MANAGEMENT"
subchapter_number: "B"
subchapter_name: "CIVIL SERVICE REGULATIONS"
part_number: "845"
part_name: "FEDERAL EMPLOYEES RETIREMENT SYSTEM—DEBT COLLECTION"
positive_law: false
currency: "2026-03-24"
last_updated: "2026-03-24"
format_version: "1.1.0"
generator: "[email protected]"
authority: "5 U.S.C. 8461."
regulatory_source: "52 FR 5931, Feb. 27, 1987; 52 FR 23014, June 17, 1987, unless otherwise noted."
cfr_part: "845"
---


# 845.305 Ordinary and necessary living expenses.

An individual's ordinary and necessary living expenses include rent, mortgage payments, utilities, maintenance, transportation, food, clothing, insurance (life, health, and accident), taxes, installment payments, medical expenses, support expenses for which the annuitant is legally responsible, and other miscellaneous expenses that the individual can establish as being ordinary and necessary.