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  • FIRST POST
    • cKITTY
    • By cKITTY 7th Oct 16, 9:40 PM
    • 3Posts
    • 2Thanks
    cKITTY
    Any help welcome
    • #1
    • 7th Oct 16, 9:40 PM
    Any help welcome 7th Oct 16 at 9:40 PM
    Hello ,

    I hope someone can offer me some help , I have been treading water for the last 6 years since my divorce but I have realised that Im actually just making the minimum payments and slowly but surely skinning further and further into debt .

    I have read a few posts tonight , and I have seen that a SOA is essential ............so here goes , gulp , please be gentle :



    Household Information[/b]
    Number of adults in household........... 1
    Number of children in household......... 2
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 850
    Partners monthly income after tax....... 0
    Benefits................................ 805
    Other income............................ 600
    Total monthly income.................... 2121[/b]

    Monthly Expense Details

    Mortgage................................ 525
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 115
    Electricity............................. 111
    Gas..................................... with the electric
    Oil..................................... 0
    Water rates............................. 30
    Telephone (land line)................... 0
    Mobile phone............................ 73 (one ends this month , other tied in till sept 17)

    TV Licence.............................. 12
    Satellite/Cable TV...................... 75 (tied in till November 16)
    Internet Services....................... 0
    Groceries etc. ......................... 250
    Clothing................................ 50
    Petrol/diesel........................... 100
    Road tax................................ 12
    Car Insurance........................... 45
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 24
    Contents insurance...................... 0
    Life assurance ......................... 24
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 50
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0
    Total monthly expenses.................. 1481



    Assets

    Cash.................................... 0
    House value (Gross)..................... 160000
    Shares and bonds........................ 0
    Car(s).................................. 4000
    Other assets............................ 0
    Total Assets............................ 164000



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 106931...(525)......0
    Total secured & HP debts...... 106931....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    TESCO CC.......................3986......88........0
    VIRGIN CC......................2128......64........0
    VERY 1.........................2993......150.......0
    OVERDRAFT .....................5000......77........0
    NEXT ..........................1463......88........0
    VERY 2.........................2848......100.......0
    Total unsecured debts..........18418.....567.......-



    Monthly Budget Summary

    Total monthly income.................... 2,121
    Expenses (including HP & secured debts). 1,481
    Available for debt repayments........... 640
    Monthly UNsecured debt repayments....... 567
    Amount left after debt repayments....... 73


    Personal Balance Sheet Summary
    Total assets (things you own)........... 164,000
    Total HP & Secured debt................. -106,931
    Total Unsecured debt.................... -18,418
    Net Assets.............................. 38,651
Page 1
    • cKITTY
    • By cKITTY 7th Oct 16, 9:42 PM
    • 3 Posts
    • 2 Thanks
    cKITTY
    • #2
    • 7th Oct 16, 9:42 PM
    • #2
    • 7th Oct 16, 9:42 PM
    Opps Sorry I also pay £14 mobile phone insurance and £100 a month paying back money I borrowed from my Dad.
    • Sanctioned Parts List
    • By Sanctioned Parts List 7th Oct 16, 9:56 PM
    • 294 Posts
    • 764 Thanks
    Sanctioned Parts List
    • #3
    • 7th Oct 16, 9:56 PM
    • #3
    • 7th Oct 16, 9:56 PM
    Hi cKitty,

    You're absolutely right, and well done for reading around first and coming prepared

    Your first post looked ok-ish, your second shows that you're actually losing £41 per month, so your debt will be increasing by this each month. No doubt you'll also be expecting what comes next:

    * Lose the satellite TV - this is an expensive luxury when you have debts
    * Don't fear the mobile phone contract - contact your supplier and try to negotiate a cheaper rate - especially the one that's about to expire, you should be able to really beat them down on a SIM-only deal.
    * Presents and haircuts - £50 is a bit on the generous side
    * Gas/electricity - you've missed this site's big utility deal for the year, but Noddle's doing the same. Sign up to Noddle.co.uk and register your interest for their group utility tariff. If they get enough subscribers, they try to negotiate a group discount with one of the energy companies

    Then your loans/CCs are all showing as 0%, which doesn't ring true. On the stoozing site is the snowball calculator - use it with the actual interest rates of your cards to set the repayment priority.

    The experts will be along in a minute with more frugal ideas...

    • EssexHebridean
    • By EssexHebridean 7th Oct 16, 10:03 PM
    • 6,317 Posts
    • 35,036 Thanks
    EssexHebridean
    • #4
    • 7th Oct 16, 10:03 PM
    • #4
    • 7th Oct 16, 10:03 PM
    Well done for realising you're struggling - sounds like you've had a tough time of it.

    Comments on the SOA in red...


    Household Information[/b]
    Number of adults in household........... 1
    Number of children in household......... 2
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 850
    Partners monthly income after tax....... 0
    Benefits................................ 805
    Other income............................ 600
    Total monthly income.................... 2121[/b]

    Monthly Expense Details

    Mortgage................................ 525
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 115 Assume you are getting your single person discount on this? Is the payment over 10 months, or 12?
    Electricity............................. 111 Have you checked whether there are better deals out there for you?
    Gas..................................... with the electric
    Oil..................................... 0
    Water rates............................. 30
    Telephone (land line)................... 0
    Mobile phone............................ 73 (one ends this month , other tied in till sept 17) Who is the second mobile for? what is the cost of the contract that ends this month?

    TV Licence.............................. 12
    Satellite/Cable TV...................... 75 (tied in till November 16) Look to cut this to absolute basic for a while once the contract is up
    Internet Services....................... 0
    Groceries etc. ......................... 250 You can trim this down a bit
    Clothing................................ 50 Again, until your finances have stabilised you can almost certainly manage with the clothes you have. What proportion of this is for the kids? How old are they - can you get away with eBay buys etc for them?
    Petrol/diesel........................... 100
    Road tax................................ 12
    Car Insurance........................... 45 This is quite high - have you been through the comparison sites?
    Car maintenance (including MOT)......... 0 You nheed to have something in here else when the service/MoT comes around you'll be back to square 1
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 24 Does this include contents?
    Contents insurance...................... 0
    Life assurance ......................... 24
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50 Every month? Are you actually setting this money aside?
    Haircuts................................ 50 Pardon the pun but can you trim this at all?
    Entertainment........................... 0 Nothing? No quick trips out for a burger/coffee while you're out shopping/days out with the kids?
    Holiday................................. 0
    Emergency fund.......................... 0 You already know what we're going to say about this, don't you...
    Total monthly expenses.................. 1481



    Assets

    Cash.................................... 0
    House value (Gross)..................... 160000
    Shares and bonds........................ 0
    Car(s).................................. 4000
    Other assets............................ 0
    Total Assets............................ 164000



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 106931...(525)......0
    Total secured & HP debts...... 106931....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    TESCO CC.......................3986......88........0
    VIRGIN CC......................2128......64........0
    VERY 1.........................2993......150.......0
    OVERDRAFT .....................5000......77........0
    NEXT ..........................1463......88........0
    VERY 2.........................2848......100.......0
    Total unsecured debts..........18418.....567.......-
    Are all these really on 0%?


    Monthly Budget Summary

    Total monthly income.................... 2,121
    Expenses (including HP & secured debts). 1,481
    Available for debt repayments........... 640
    Monthly UNsecured debt repayments....... 567
    Amount left after debt repayments....... 73


    Personal Balance Sheet Summary
    Total assets (things you own)........... 164,000
    Total HP & Secured debt................. -106,931
    Total Unsecured debt.................... -18,418
    Net Assets.............................. 38,651
    Originally posted by cKITTY
    OK it's squeaky but we've seen worse - and there is definitely room for savings. The Very accounts are killers though.

    I assume the "other" income is from your ex, in relation to the kids. Is this the amount he should be paying for them according to your ancillary relief order?

    According to your SOA you should have a surplus, but I;m guessing from what you've said that you don't have - a spending diary would be a good first port of call for you, I'd suggest. You need to work out exactly where your money is going - things are too tight not to know.

    *edit* I've just seen your second post. Hmmm. Ditch the phone insurance, and can your Dad give you a break from paying him back for the time being, until you get back on your feet properly? That at least would leave you back into the position of more coming in that going out.
    Last edited by EssexHebridean; 07-10-2016 at 10:07 PM.
    MORTGAGE FREE 30/09/2016
    • cKITTY
    • By cKITTY 7th Oct 16, 10:27 PM
    • 3 Posts
    • 2 Thanks
    cKITTY
    • #5
    • 7th Oct 16, 10:27 PM
    • #5
    • 7th Oct 16, 10:27 PM
    Thanks Guys ,

    I am planning to get rid of the TV as soon as I am able to , its all tied in till next month , I tried to reduce the package but the cost was the same. So will cancel to basic package asap, I need internet for work as often have to work from home and I am also at uni.

    I guessed haircuts and presents ....I usually just scrabble together money for these

    The Very are interest free .... but the Tesco and Virgin I pay lots of interes on , I am not sure tho how to find out what that is in % ...I know that I am only paying off £20 a month ...so I am just not reducing it at all.

    The other income is maintenance , and its an agreed amount .....Its not what he should be paying , but to be honest I got fed up with arguing with him.

    Insurance is buildings and contents also , the clothing is just what I have spent in last month on kids shoes ....they grow fast.

    2nd mobile is for my son , he is 16 . I will look for a sim only deal now.
    • chevalier
    • By chevalier 7th Oct 16, 11:13 PM
    • 7,686 Posts
    • 17,796 Thanks
    chevalier
    • #6
    • 7th Oct 16, 11:13 PM
    • #6
    • 7th Oct 16, 11:13 PM
    How long has this agreed amount been paid by your OH. If more than a year then at the very least it should go up by inflation. If he cuts up rough about it then remind them it is the kids that miss out. good luck with sorting it.
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
    • Bedsit Bob
    • By Bedsit Bob 8th Oct 16, 9:28 AM
    • 9,311 Posts
    • 48,764 Thanks
    Bedsit Bob
    • #7
    • 8th Oct 16, 9:28 AM
    • #7
    • 8th Oct 16, 9:28 AM
    Household Information
    Number of adults in household........... 1
    Number of children in household......... 2
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 850
    Partners monthly income after tax....... 0
    Benefits................................ 805
    Other income............................ 600
    Total monthly income.................... 2121[/b]

    Monthly Expense Details

    Mortgage................................ 525
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 115 - Is this over 10 months? If so, switching to 12 months will reduce it to £95-83.
    Electricity............................. 111 - This is £1332 pa. Check comparison sites, and try to cut back/avoid waste.
    Gas..................................... with the electric
    Oil..................................... 0
    Water rates............................. 30
    Telephone (land line)................... 0
    Mobile phone............................ 73 (one ends this month , other tied in till sept 17)

    TV Licence.............................. 12
    Satellite/Cable TV...................... 75 (tied in till November 16) - Get rid completely in November. That £900 pa will make a big difference, when put to your debts.
    Internet Services....................... 0
    Groceries etc. ......................... 250 - This is a lot for just 3 people. You should be able to reduce by at least £50.
    Clothing................................ 50 - Every month?
    Petrol/diesel........................... 100
    Road tax................................ 12
    Car Insurance........................... 45
    Car maintenance (including MOT)......... 0 - Nothing, ever?
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0 - Nothing?
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 24
    Contents insurance...................... 0 - You need this. Costs ~ £10 pm.
    Life assurance ......................... 24
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 50
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0 - You need something in here, especially with you being a home owner.
    Total monthly expenses.................. 1481



    Assets

    Cash.................................... 0
    House value (Gross)..................... 160000
    Shares and bonds........................ 0
    Car(s).................................. 4000
    Other assets............................ 0
    Total Assets............................ 164000



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 106931...(525)......0
    Total secured & HP debts...... 106931....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    TESCO CC.......................3986......88........0
    VIRGIN CC......................2128......64........0
    VERY 1.........................2993......150.......0
    OVERDRAFT .....................5000......77........0
    NEXT ..........................1463......88........0
    VERY 2.........................2848......100.......0
    Total unsecured debts..........18418.....567.......-



    Monthly Budget Summary

    Total monthly income.................... 2,121
    Expenses (including HP & secured debts). 1,481
    Available for debt repayments........... 640
    Monthly UNsecured debt repayments....... 567
    Amount left after debt repayments....... 73


    Personal Balance Sheet Summary
    Total assets (things you own)........... 164,000
    Total HP & Secured debt................. -106,931
    Total Unsecured debt.................... -18,418
    Net Assets.............................. 38,651
    Originally posted by cKITTY
    Comments in red.

    Are all you debts really at 0%?
    My job is Top Secret. Even I don't know what I'm doing.

    Amount I have so far denied the BBC - £1015-50
    • Bedsit Bob
    • By Bedsit Bob 8th Oct 16, 9:35 AM
    • 9,311 Posts
    • 48,764 Thanks
    Bedsit Bob
    • #8
    • 8th Oct 16, 9:35 AM
    • #8
    • 8th Oct 16, 9:35 AM
    I need internet for work as often have to work from home and I am also at uni.
    Originally posted by cKITTY
    If home internet is a job requirement, approach your employer with regard to them paying some/all of it.

    Failing that, investigate whether a tax allowance is available, on the grounds it is an employment necessity.
    My job is Top Secret. Even I don't know what I'm doing.

    Amount I have so far denied the BBC - £1015-50
    • PasturesNew
    • By PasturesNew 8th Oct 16, 9:53 AM
    • 55,950 Posts
    • 321,466 Thanks
    PasturesNew
    • #9
    • 8th Oct 16, 9:53 AM
    • #9
    • 8th Oct 16, 9:53 AM
    I've never had anywhere near as much money as you, but rent/basic bills have been the same, so here's what stands out to me as "a lot":
    Electricity............................. 111
    Water rates............................. 30
    Satellite/Cable TV...................... 75 (tied in till November 16)
    Groceries etc. ......................... 250
    Clothing................................ 50
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 50
    Originally posted by cKITTY
    Do you need the lights on all the time? Look at what you're doing and how you can cut back. What are you using electricity for that can be cut back?

    Wash fewer times, minimise water usage, think about all the water you're using.

    Get rid of that in November.

    Don't eat as much, cut out unnecessary luxuries, analyse/compare/question the price of everything you buy and if you need it/can buy it cheaper.

    You've probably got enough clothes by now!

    Presents are over-generous.

    Cut down, wait longer, find out how to get it cheaper (different place, have dry cuts not wet/blowdry).
    • Smodlet
    • By Smodlet 8th Oct 16, 11:51 AM
    • 1,775 Posts
    • 2,947 Thanks
    Smodlet
    Hi and welcome. Most of it has already been said but have you looked into the possibility of getting free solar panels? These could save a huge chunk off your electricity bill, especially if you often work from home as you will be there during the day. Just a thought.
    What is this life, if, sweet wordsmith, we have no time to take the pith?

    Every stew starts with the first onion.

    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • Dobbibill
    • By Dobbibill 8th Oct 16, 3:25 PM
    • 1,697 Posts
    • 2,836 Thanks
    Dobbibill
    PPs have pretty much covered everything I would say.

    You should be able to find the APR for your CCs on the statements.

    Switch your council tax to 12 months if it's currently paid over 10.

    Look at switching energy providers. There may be a cashback incentive available for that too.

    Ring your mobile phone company, it doesn't matter if it's tied in, you can still ask them about reducing the costs. Be assertive about it being too expensive and ask them to talk you through your options. They are normally able to offer a few options.

    Ditch the satellite next month. I've just gone to frees@t and wish I had done it years ago.

    You should be able to shave a bit off the groceries too.

    Buildings insurance is high, even if it does cover the contents too.
    Check TCB & Qu1dco when your renewal is due. Same applies for car insurance too. I managed to get over £65 cashback on my B&C cover.

    Haircuts are high - does it really cost you this much. Get a dry cut, change hairdressers, try a local college.

    You really do need something in for Car Maintenance and an Emergency Fund.

    Speak to your Dad and maybe half his payments for the moment. How much longer will you need to be paying him? Does it end anytime soon?

    All the best
    • EssexHebridean
    • By EssexHebridean 8th Oct 16, 9:21 PM
    • 6,317 Posts
    • 35,036 Thanks
    EssexHebridean
    Your sixteen year old needs to be taking responsibility for his own mobile now really. I presume at that age he's got some form of spare time job?

    The APR's for the debts you don't know currently should be on the statements.

    I agree that your ex OH needs to be "persuaded" to pay you the correct amount. Do you actually have a court order stating what he should be paying? If so if he refuses to increase to the correct level go back to the court - they can enforce. If you don't have an order then it may be worth strongly hinting that the time has come for you to have to get one - at which point he may decide that a voluntary increase is a good idea.

    The fact that you guessed at haircuts and presents is almost a good thing - in the first instance it means you should have a surplus some months at least. Presents need to be cut to only absolute essentials at the moment. Others have made great suggestions on the haircuts too.
    MORTGAGE FREE 30/09/2016
    • determined new ms
    • By determined new ms 9th Oct 16, 8:26 AM
    • 5,553 Posts
    • 29,439 Thanks
    determined new ms
    when my kids were in older teens (similar ages to your son, not sure how old your other child is?) I reduced their birthday & christmas gifts to £100 each. So in your case that would be £400pa not £600. Now they are 23 & 24 it has been reduced further to £50/60.

    Shopping can be reduced while you are in a difficult position but understand you have a lot on your plate in terms of time demands so that does make it harder. Have a look on the old style board there is a threaded called "feed a family of 4 for £20 a week" (it's actually now £25 to take into account rising costs). It might give you some ideas of a few low cost meas you could throw in to bring the overall cost down slightly. Also look at Jack Monroe's website for low cost meal ideas - honestly all of the recipes I have tried from her are delicious.

    get rid of sky next month completely, freeview is good enough and teenagers are savvy enough to find whatever they need online. If you are getting your bb through them there are lots of better deals out there. And you have the added bonus of getting the Murduck corp out of your life. Win win!

    I agree with speaking to your dad about stopping/reducing debt payments for a while.

    As others have said really focusing on bringing your energy usage down by getting a better deal/being energy conscious is good sense really in any ways including environmental impact. It's good to be a low energy user.
    Debt to Bank of oh Mum: £4200/£5700
    Wombling 2016 £263.42 Roadkill £27.21
    • bobcat2
    • By bobcat2 9th Oct 16, 10:24 PM
    • 32 Posts
    • 48 Thanks
    bobcat2
    £24 a month for buildings insurance looks horrendous, that's £288 a year, even if it includes contents its still way over the top! For a similar value property I pay less than £50 for a year buildings or less than £90 for for buildings and contents. When its up for renewal it would be worth changing this for a better deal. easy £200 a year saving.
    • bobcat2
    • By bobcat2 9th Oct 16, 10:50 PM
    • 32 Posts
    • 48 Thanks
    bobcat2
    If it were me Id ditch the mobile phone insurance and self insure, i.e. put the money in a jar in case you need to buy a new one as not good value in my opinion. That's my view though and depends how much they would cost to replace if you had to as to whether thats a good idea or not.
    Based on the monthly cost of the CCs it looks like they may be at a high interest rate. As far as I know Tesco CC for example is 1% minimum payment plus the interest, so the minimum payment would be approx £40 on that balance.
    Are there ways you can gradually reduce the interest rates you have on the cards so that all of your payment is going to repayment instead of interest?
    In the past I've done this by taking advantage of balance transfer offers from existing cards to get everything down to 0%. I.e. just shuffling the balances.
    I.e. if I had available credit on one card even if it had a balance outstanding I would use that to pay off a higher interest rate card, and then with that one use the newly available credit once its paid off to transfer the higher rate balance from the first card. This works as they will have to allocate the payment the higher interest rate. I was able to get all my interest rates down to 0% which then mean all of my payments were going to repaying the debt instead of paying the interest.
    You will have to factor in the balance transfer fee of approx 2-3% depending on the provider. Once the 0% offer runs out you must repay in full or transfer again.

    The best solution, however, if you are able to would be to transfer to a new card as these will have a much longer interest free period, up to 40 months at 0%.
    IMO Its very important to completely stop using any of the credit cards for any purchases, dont even keep them with you, so theres no risk of the debt increasing.
    If credit cards are used it should only be if they offer cashback, buyer protection and are paid in full at the end of very month, or for genuine emergencies.
    • bobcat2
    • By bobcat2 9th Oct 16, 10:59 PM
    • 32 Posts
    • 48 Thanks
    bobcat2
    Another thing I have done is look at every single bit of money that its spent and ask yourself how can this be reduced, I have found that nearly every payment can be reduced substantially, if not immediately then when a contract comes to end, so look at every payment that goes out and see how they can be reduced.
    • bobcat2
    • By bobcat2 9th Oct 16, 11:14 PM
    • 32 Posts
    • 48 Thanks
    bobcat2
    Hi and welcome. Most of it has already been said but have you looked into the possibility of getting free solar panels? These could save a huge chunk off your electricity bill, especially if you often work from home as you will be there during the day. Just a thought.
    Originally posted by Smodlet
    Who does free solar panels?? Isn't there usually some sort of loan against them, I would look at reducing the energy bill by switching to the cheapest tariff, replacing bulbs with LEDs when they need replacing and cutting down
    Can the OP see if they are eligible for a free energy efficient boiler and insulation? I got one a few years ago completely free but I'm not sure if the scheme is still going.
    Would be worth checking eligibility on one of the energy providers websites to see what is available.
    • bobcat2
    • By bobcat2 9th Oct 16, 11:25 PM
    • 32 Posts
    • 48 Thanks
    bobcat2
    Just to add, looking at your SOA, based on your income, this is definitely a situation that can be resolved and with a bit of planning and putting effort into cost cutting you have a really good chance of getting this under control
    • Smodlet
    • By Smodlet 11th Oct 16, 5:55 PM
    • 1,775 Posts
    • 2,947 Thanks
    Smodlet
    A Shade Greener do free solar panels, as other companies may but they are the only one I know of.

    Mods, it is not my intention to advertise, I was merely answering a question.
    What is this life, if, sweet wordsmith, we have no time to take the pith?

    Every stew starts with the first onion.

    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
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