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407 (07/2026) Chapter 2:Eligibility • Section 5: Financial eligibility (6) Interest or fees on personal credit cards. (7) Personal telephone charges. (8) Shelter or utility costs associated with the individual’s home, except as authorized by section (7) of this rule. (D) In the OSIP, OSIPM, and QMB programs, the following costs are not excluded from gross sales and receipts: (1) Federal, state, and local income taxes. (2) Costs related to traveling to another area to seek business when there is no reasonable possibility of deriving income from the trip. (3) Interest or fees on personal credit cards. (4) Personal telephone charges. (5) Shelter or utility costs associated with the individual’s home, except as authorized by section (7) of this rule. (E) In the DSNAP (461-101-0010) program, self-employment costs include out of pocket disaster-related expenses the household has paid or is expected to pay during the disaster benefit period authorized by FNS and where the expenses are not expected to be reimbursed during the disaster period. If the household has received or reasonably anticipates receiving a reimbursement for part or all of the expenses during the disaster benefit period, only the net expense to the household is deductible. The necessary costs of producing self-employment income are excluded from gross sales and receipts including, but not limited to: (1) Damage or destruction to self-employment business. (2) Equipment and supplies. (3) Disaster-damaged vehicle expenses. (4) Business property protection. (5) Storage. (6) Clean-up. (7) Costs paid by credit card are excluded unless the bill is also paid during the benefit period. (8) Costs listed in (2) that are incurred during the disaster benefit period. (F) The exclusions for items used for both business and personal purposes, such as automobiles and a residence, including utilities, are limited by the following subsections: (1) In the OSIP, OSIPM, and QMB programs, the portion of the expense that is for business use only is excluded.