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Results: Which step should I take next?

Get rid of stored furniture (? costs involved, but paperwork re big debt in there)

62.86% • 22 votes

Piggybanking

0% • 0 votes

Work out my exact household expenditure

28.57% • 10 votes

Drop household maintenance? (Nothing needs doing at present)

2.86% • 1 votes

Get water meter to save poss. £75 per year

14.29% • 5 votes

Other (please specify in comment box - ty)

11.43% • 4 votes

You may not vote on this poll

35 votes in total.

  • FIRST POST
    • miracleworker
    • By miracleworker 14th Sep 16, 4:24 AM
    • 9Posts
    • 29Thanks
    miracleworker
    Plodding Through Debts
    • #1
    • 14th Sep 16, 4:24 AM
    Plodding Through Debts 14th Sep 16 at 4:24 AM
    2017 ACTUAL FIGURES : AUG.17

    INCOME
    Benefits. . . . . . . . . . . . . .... .753.30
    Cashback.............................028.84
    Refunds................................040.00
    Interest.................................000.00

    EXPENSES
    Fixed Direct Debits
    Debt Repayments...............037.33
    Water . . . . . . . . . . . . . . . .....015.85
    Contents Insurance..............006.20

    Variable Direct Debits
    Electricity . . . . . . . . . . .... . . 063.50
    Phone and Internet. . . . . . . .009.95

    Variable Card Payments
    Day Out................................167.40
    Walking Shoes & Cleaner.....048.99

    TOTALS................................822.14
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    ASSETS
    £083.46 Amazon Gift Card Balance
    £034.99 Sky Incentive Reward Card
    £029.08 Topcashback payments pending
    £025.00 Boots Card
    £015.50 Tesco Vouchers
    £015.00 B&Q Card
    £010.00 Millets Gift Card - for walking trousers
    £005.00 Millets Review Reward - should be refunded
    £002.00 Waitrose Voucher
    £000.27 Tesco Clubcard points. Add £200 by 17/10 for 6% bonus of £12

    BIRTHDAY & CHRISTMAS SAVINGS
    £177.00 = £165 Amazon + £12 Clubcard Bonus
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    NODDLE CREDIT SCORE: Sept '16: 497 I May '17 on: 500 I Aug '17: 508 I
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    Outstanding Tasks
    1. Reply to HMRC re. N.I. and WTC 'debts'.
    2. Apply for court for certificate of satisfaction for debt 5.
    3. Set up new S/Os on debts number 4, 8, 9 and 2 x N.I..
    4. Resolver cases:-
    a) Welcome Finance £10.6k
    b) WTC repayment demand £694.40
    c) Barclays overdraft debt £678.36

    Pending Tray
    Review alternative tariffs.
    Last edited by miracleworker; Today at 2:10 PM. Reason: WIP
Page 2
    • Bedsit Bob
    • By Bedsit Bob 18th Mar 17, 11:56 AM
    • 9,596 Posts
    • 50,520 Thanks
    Bedsit Bob
    Given their behaviour, I think it is very wise of you to use a SO, rather than a DD.
    My job is Top Secret. Even I don't know what I'm doing.

    Amount I have so far denied the BBC - £1161
    • StopIt
    • By StopIt 5th May 17, 7:58 AM
    • 760 Posts
    • 690 Thanks
    StopIt
    HMRC has said I don't owe any N.I., and they write the debt off for it, so long as I accept it affects my record, for benefits and pension. I think I'll take their offer.
    Originally posted by miracleworker

    Remember that if you don't have enough NI contributions via work or NI credits, you wont get a full state pension.


    You can check your NI contribution status here: https://www.gov.uk/check-national-insurance-record
    • sourcrates
    • By sourcrates 25th Jun 17, 10:38 AM
    • 11,584 Posts
    • 11,155 Thanks
    sourcrates
    Why have you deleted 90% of the thread ?

    It just does not make any sense to people reading it now.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
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