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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 : JULY17

    INCOME
    Benefits. . . . . . . . . . . . . .... .520.10
    Cashback.............................060.87
    Refund.................................012.27
    Interest.................................000.14

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

    Variable Direct Debits
    Electricity . . . . . . . . . . .... . . .055.00
    Phone and Internet. . . . . . . ..019.15

    Variable Card Payments
    Year's Broadband/Line Rent.154.99 <- thanks, Money Saving Expert!
    Gum Surgery.........................125.00
    Available...............................179.96

    TOTALS................................593.38
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    ASSETS
    £085.43 Amazon Gift Card Balance
    £034.99 Sky Incentive Reward Card
    £026.88 Topcashback payments pending
    £025.00 Boots Card
    £015.50 Tesco Vouchers pending
    £015.00 B&Q Card
    £010.00 Millets Gift Card - for walking trousers
    £008.52 Pockit
    £007.63 Iceland Bonus Card
    £006.00 Tesco Vouchers
    £005.00 Millets Review Reward
    £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 May '17 on: 500
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    Done
    (1) HMRC has now admitted £300 approx. N.I. is not owed.
    (2) British Gas Energy Trust paid my debt to British Gas of £79.60 on 07/04/17.
    (3) Welcome Finance have failed to reply at Resolver re. £10.6k 'debt', despite claiming to have done so.

    Outstanding Tasks
    Reply to HMRC offer to write off N.I. 'debt'.
    Apply for court for certificate of satisfaction for debt 5.
    Set up new S/Os on debts number 8 and 9.
    Open Resolver cases:-
    WTC repayment demand - £694.40.
    Barclays overdraft debt - £678.36.

    Pending Tray
    Review alternative energy (e.g., Economy 10, etc).
    Last edited by miracleworker; Yesterday at 12:37 AM. Reason: WIP
Page 2
    • Bedsit Bob
    • By Bedsit Bob 18th Mar 17, 11:56 AM
    • 9,578 Posts
    • 50,312 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
    • 670 Posts
    • 614 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
    • 11,167 Posts
    • 10,837 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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