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  • FIRST POST
    • fay66
    • By fay66 25th Nov 17, 6:17 PM
    • 661Posts
    • 1,562Thanks
    fay66
    Looking for some help
    • #1
    • 25th Nov 17, 6:17 PM
    Looking for some help 25th Nov 17 at 6:17 PM
    Im over 50, empty nest syndrome work 40 hours plus
    and looking for some help on the below

    Default looking for some help
    [tt]Statement of Affairs and Personal Balance Sheet

    Household Information
    Number of adults in household........... 1
    Number of children in household......... 0
    Number of cars owned.................... 0 1 car pip hp

    Monthly Income Details
    Monthly income after tax................ 1456
    Partners monthly income after tax....... 0
    Benefits................................ 374
    Other income............................ 0
    Total monthly income.................... 1830

    Monthly Expense Details
    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 450
    Management charge (leasehold property).. 0
    Council tax............................. 156 includes 60 debt paid jan 18
    Electricity............................. 28
    Gas..................................... 28
    Oil..................................... 0
    Water rates............................. 25
    Telephone (land line)................... 0
    Mobile phone............................ 88, ee mobile and pad contract ends jan 19
    TV Licence.............................. 12
    Satellite/Cable TV...................... 58
    Internet Services....................... 0
    Groceries etc. ......................... 200 includes dogs cats
    Clothing................................ 50
    Petrol/diesel........................... 120 miles 250 ew
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 10
    Pet insurance/vet bills................. 25
    Buildings insurance..................... 0
    Contents insurance...................... 20
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 30
    Entertainment........................... 60
    Holiday................................. 30
    Emergency fund.......................... 50
    Total monthly expenses.................. 1490


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

    No Secured nor Hire Purchase Debts

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    capital one....................200.......10........34.9
    aqua...........................500.......48....... .34.9
    ocean..........................1000......27....... .34.94
    118 118 loan...................2788......145.......71.3
    studio.........................100.......0........ .0
    fashion world..................200.......0.........0
    littlewoods....................450.......20....... .0
    very...........................300.......17....... .0
    marbles........................4500......189...... .34.9
    Total unsecured debts..........10038.....456.......-


    Monthly Budget Summary
    Total monthly income.................... 1,830
    Expenses (including HP & secured debts). 1,490
    Available for debt repayments........... 340
    Monthly UNsecured debt repayments....... 456
    Amount short for making debt repayments. -116

    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -10,038
    Net Assets.............................. -10,038

    [/tt]
    Debts: 118118 loan £2500,
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
Page 1
    • autumn2012
    • By autumn2012 25th Nov 17, 7:01 PM
    • 206 Posts
    • 219 Thanks
    autumn2012
    • #2
    • 25th Nov 17, 7:01 PM
    • #2
    • 25th Nov 17, 7:01 PM
    Hi Fay66,

    Well done for coming on here and asking for help! :-)

    I would suggest you cut back on things like entertainment and holidays etc until you get that 118 loan at 71% APR repaid! Thats a ridiculous amount in interest that you could be putting towards other debts.
    • Grumpelstiltskin
    • By Grumpelstiltskin 25th Nov 17, 7:17 PM
    • 2,188 Posts
    • 2,230 Thanks
    Grumpelstiltskin
    • #3
    • 25th Nov 17, 7:17 PM
    • #3
    • 25th Nov 17, 7:17 PM
    You have an emergency fund on the SOA do you actually have anything in it?

    There re many things you must cut back on, TV, Entertainment, Clothes, Haircuts, Presents. Whilst you have the 118118 loan it is vital you cut right back and throw every spare penny at that.
    • datlex
    • By datlex 26th Nov 17, 10:48 AM
    • 1,449 Posts
    • 1,235 Thanks
    datlex
    • #4
    • 26th Nov 17, 10:48 AM
    • #4
    • 26th Nov 17, 10:48 AM
    Im over 50, empty nest syndrome work 40 hours plus
    and looking for some help on the below

    Default looking for some help
    [tt]Statement of Affairs and Personal Balance Sheet

    Household Information
    Number of adults in household........... 1
    Number of children in household......... 0
    Number of cars owned.................... 0 1 car pip hp

    Monthly Income Details
    Monthly income after tax................ 1456
    Partners monthly income after tax....... 0
    Benefits................................ 374 What benefit are you able to get on 1456 a month? Are you on PIP?
    Other income............................ 0
    Total monthly income.................... 1830

    Monthly Expense Details
    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 450
    Management charge (leasehold property).. 0
    Council tax............................. 156 includes 60 debt paid jan 18 If you are on PIP have you checked for discounts, also have you applied for single person discount
    Electricity............................. 28
    Gas..................................... 28
    Oil..................................... 0
    Water rates............................. 25
    Telephone (land line)................... 0
    Mobile phone............................ 88, ee mobile and pad contract ends jan 19 Go sim only you will save a fortune, you don't need a new phone in January. EE have a plan for £15 You can also save up for a new sim free phone if you want and pay less than you would have on contract.
    TV Licence.............................. 12 It is now slightly more than £12, If you are putting a pounds rather than precise amounts put as £13
    Satellite/Cable TV...................... 58
    Internet Services....................... 0
    Groceries etc. ......................... 200 includes dogs cats Review your receipts, look at what you buy brands etc and try the brand shift challenge. Also test your receipt in an alternative supermarket to see what savings you could make, You should be able to reduce this.
    Clothing................................ 50 You could shave some off this. Reducing to £40 a week saves £120 a year or most of your TV licence
    Petrol/diesel........................... 120 miles 250 ew
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 10 Is this prepayment certificate?
    Pet insurance/vet bills................. 25
    Buildings insurance..................... 0
    Contents insurance...................... 20
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50 Again reduce this to £40 a month you will save £120 a year
    Haircuts................................ 30 If you stretch your hair cuts by a week or two you will save here
    Entertainment........................... 60 Given how much you spend on TV services this seems high could you shave £10 off this each month? What does it involve?
    Holiday................................. 30
    Emergency fund.......................... 50 reduce to £40
    Total monthly expenses.................. 1490


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

    No Secured nor Hire Purchase Debts

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    capital one....................200.......10........34.9
    aqua...........................500.......48....... .34.9
    ocean..........................1000......27....... .34.94
    118 118 loan...................2788......145.......71.3
    studio.........................100.......0........ .0
    fashion world..................200.......0.........0
    littlewoods....................450.......20....... .0
    very...........................300.......17....... .0
    marbles........................4500......189...... .34.9
    Total unsecured debts..........10038.....456.......-


    Monthly Budget Summary
    Total monthly income.................... 1,830
    Expenses (including HP & secured debts). 1,490
    Available for debt repayments........... 340
    Monthly UNsecured debt repayments....... 456
    Amount short for making debt repayments. -116

    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -10,038
    Net Assets.............................. -10,038

    [/tt]
    Debts: 118118 loan £2500,
    Originally posted by fay66
    There is definitely room to reduce your spends by at least £113. You also need to bin the catalogues.
    If you snow ball your debts you will be able to clear them. You should be able to pay off your capital card by March if you pay the savings towards that. Then put the savings plus the amount paid currently to the capital card to your aqua and then onto your ocean card, I think you could get these paid off in just over a year. In 2 to 3 years be debt free.
    • pennystretcher
    • By pennystretcher 26th Nov 17, 4:08 PM
    • 312 Posts
    • 1,328 Thanks
    pennystretcher
    • #5
    • 26th Nov 17, 4:08 PM
    • #5
    • 26th Nov 17, 4:08 PM
    Well done on facing the current situation and getting your SOA done and clarifying the interest rates on what you own at the moment and specifically what the interest rates are (that is the most time consuming thing to do). You'll get there, just be patient and think about the long term goal.

    Cut down on food and empty your cupboards and freezer what you have in there and shop in Aldi or Lidl only to reduce the 118 118 loan...(Aldi is cheaper from my experience for pet food) and get rid of this 118118 debt ASAP. (had a bit of a splutter when I saw the interest...gulp) Then any money freed afer 118118 has been paid off, tackle the next most expensive debts...
    Last edited by pennystretcher; 26-11-2017 at 4:10 PM.
    MFW Dec 2017 £290 (almost there!!!)
    • Dobbibill
    • By Dobbibill 26th Nov 17, 5:15 PM
    • 2,537 Posts
    • 3,631 Thanks
    Dobbibill
    • #6
    • 26th Nov 17, 5:15 PM
    • #6
    • 26th Nov 17, 5:15 PM
    Lots of good pointers from datlex already.

    The council tax will free up £60 after December which will be good.
    Are you paying this over 12 months or the standard 10? Paying over 12 months could reduce the monthly cost further to give you wiggle room in your budget.

    See if EE can reduce your bill with less minutes/texts/data - don't wait until January 2019 - it doesn't cost a thing to ask the question. Agree with datlex, go SIMO after that.

    Satellite/Cable needs to go - switch to freeview or freesat.

    You could shave a considerable amount of your groceries. My DS & his GF spend half that for a month and there's 2 of those. I'm sure even with pets to buy for, you could reduce it significantly.

    Clothing can be halved, use charity shops or ebay.

    Presents can be reduced too, even reducing it by £10 - £20 a month, you will make a big difference to your overall budget.

    Use a local college for haircuts - the students are always well supervised and cost a fraction of the price of a salon.

    What is your entertainment for? Can you replace it with something cheaper/free?

    When your home insurance is due for renewal check cashback sites like Quidco and TCB - you should be able to shave some costs there. Same with car insurance - check those sites.

    Forego the hoiday at the moment - you really need to throw that money at the debts.

    If you are putting £50 pm in an emergency fund - why is there no figure in the 'cash' section below it?

    Are Very, Littlewoods, Studio and Fashion World really 0%?

    You need to overpay as much as possible on the 118 loan - that's a horrendous APR.
    Have you got anything you can sell? Overtime available? second job?
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales 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.


    A person who never made a mistake, never tried anything new.
    • fay66
    • By fay66 27th Nov 17, 10:28 AM
    • 661 Posts
    • 1,562 Thanks
    fay66
    • #7
    • 27th Nov 17, 10:28 AM
    • #7
    • 27th Nov 17, 10:28 AM
    You have an emergency fund on the SOA do you actually have anything in it?

    There re many things you must cut back on, TV, Entertainment, Clothes, Haircuts, Presents. Whilst you have the 118118 loan it is vital you cut right back and throw every spare penny at that.
    Originally posted by Grumpelstiltskin
    hi yes had an idea from debt free diary when council tax is due put the money on that and your right I can cut the present money down and holidays and not accrue til jan pay day
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • fay66
    • By fay66 27th Nov 17, 10:41 AM
    • 661 Posts
    • 1,562 Thanks
    fay66
    • #8
    • 27th Nov 17, 10:41 AM
    • #8
    • 27th Nov 17, 10:41 AM
    Lots of good pointers from datlex already.

    The council tax will free up £60 after December which will be good.
    Are you paying this over 12 months or the standard 10? Paying over 12 months could reduce the monthly cost further to give you wiggle room in your budget. yes agree to this

    See if EE can reduce your bill with less minutes/texts/data - don't wait until January 2019 - it doesn't cost a thing to ask the question. Agree with datlex, go SIMO after that. will do but all the forums point to you cant decrease unless you have increased which I havent will give it a go

    Satellite/Cable needs to go - switch to freeview or freesat. under contract for a year

    You could shave a considerable amount of your groceries. My DS & his GF spend half that for a month and there's 2 of those. I'm sure even with pets to buy for, you could reduce it significantly. will try but thats what i mainly use, work long hours finish get home say 7 depending on traffic use iceland mainly spent 45 this week but can be more

    Clothing can be halved, use charity shops or ebay. will try for this because im a large size 26 its hard to find and cant do all on a saturday only day off and normally not much on this day

    Presents can be reduced too, even reducing it by £10 - £20 a month, you will make a big difference to your overall budget.going to try on this, got to get daughter a tv for her bedroom she has left home and some gucci bamboo thats what she asked for i dont see her much

    Use a local college for haircuts - the students are always well supervised and cost a fraction of the price of a salon. normally working full time 30 is for roots colour and cut good price

    What is your entertainment for? Can you replace it with something cheaper/free? i live alone and do the odd meal in the week with a social group, so would include petrol

    When your home insurance is due for renewal check cashback sites like Quidco and TCB - you should be able to shave some costs there. Same with car insurance - check those sites. its direct line and included annual holiday insurance its due march i did compare and was the best at time

    Forego the holiday at the moment - you really need to throw that money at the debts. no holiday planned next year only did a 3 day break this year and was £150 including most meals and booze at centre parcs

    If you are putting £50 pm in an emergency fund - why is there no figure in the 'cash' section below it? its a projection of the future its not whats been done in the past i have £21 in bank til Thursday

    Are Very, Littlewoods, Studio and Fashion World really 0%? yes studio and fashion world not due til Jan, Fashionworld was clothes for christmas parties

    You need to overpay as much as possible on the 118 loan - that's a horrendous APR. yes going to put next years council tax free months on this
    Have you got anything you can sell? Overtime available? second job?
    Originally posted by Dobbibill
    sold ps4 and x box 360, not got anything to sell now really
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • Dobbibill
    • By Dobbibill 27th Nov 17, 11:07 AM
    • 2,537 Posts
    • 3,631 Thanks
    Dobbibill
    • #9
    • 27th Nov 17, 11:07 AM
    • #9
    • 27th Nov 17, 11:07 AM
    Definitely ring EE - I did this with my DS a few years ago and he managed to get a reduction in cost while increasing his data. Sometimes you have to be a little cheeky and ask.

    If you are still under contract for a year with Satellite/Cable then do as above and ask for a reduction.

    Ditch Iceland and switch to Aldi or Lidl.
    Meal plan - lots of ideas on the Old Style board.

    If you can't/won't reduce the cost of the hair salon then at least stretch it a week longer in between visits.

    With no holiday planned, that money can be thrown at the debts.

    Clothes that you can't afford for parties that you can't afford are not going to help your debt situation. You have to make sacrifices to get rid of the debt. That said, hindsight is a wonderful thing and ebay would possibly have got you nice clothes for the party at a fraction of the cost. Party tops tend to be worn once. I've had a quick look and found several at £5-£6 including postage. (This would give you over 30 tops for the amount you have paid to fashion world) Not everything on ebay is 2nd hand either, there are many shops too.

    Can you get overtime or a second job?

    This is going to take a major mind-set change to achieve and I'm not sure you have had a LBM yet. It's going to be hard work, there will be sacrifices along the way. The debt didn't get there overnight so there is no over-night, quick fix. I'm sure with determination you can make a significant difference.
    Last edited by Dobbibill; 27-11-2017 at 12:24 PM.
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales 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.


    A person who never made a mistake, never tried anything new.
    • Maysie
    • By Maysie 27th Nov 17, 11:19 AM
    • 2,346 Posts
    • 3,792 Thanks
    Maysie
    I have been selling little bits and bobs on Mercari app recently made about £200 on old clothes, kids stuff, unopened beauty products and random clutter. Best bit is no fees! I just pay to post it tracked usually use parcel2go as its cheapest and drop at drop off point 5 minutes away. You input tracking on the app buyer gets it they leave feedback it releases the cash to your mercari balance. I have been saving up to £50 then sending it to my bank account. Not had any problems yet must be about £200 in sales so far in last 2 months. Its quicker to list than ebay which i got fed up off so many fees through selling and accepting paypal. I do have a code for joining but i probably need to put that on the referral board.
    • enjoyyourshoes
    • By enjoyyourshoes 27th Nov 17, 11:53 AM
    • 807 Posts
    • 986 Thanks
    enjoyyourshoes
    Not sure of your motivation to tackle debts?

    Lots of 'i will try'

    How about, thats great I will definitely do this and maintain this over a long period of time?

    You have over £10 K in debts, this will result in a lot of continued effort, over a long period of time with considerable changes to your attitude towards spending to clear it.

    Are you up for it?
    Debt is a symptom, solve the problem.
    • fay66
    • By fay66 27th Nov 17, 2:31 PM
    • 661 Posts
    • 1,562 Thanks
    fay66
    Update dobbie
    Definitely ring EE - I did this with my DS a few years ago and he managed to get a reduction in cost while increasing his data. Sometimes you have to be a little cheeky and ask. did cheeky ask and said i couldnt afford it she said im on the cheapest plan??? £16 for samsung rubbish pad and rest of 88 on samsung s7 phone

    If you are still under contract for a year with Satellite/Cable then do as above and ask for a reduction. will ask this includes internet. broad band and tv.

    Ditch Iceland and switch to Aldi or Lidl. ok will do . like iceland as they do mini pack salad £1.20 small packs of things and their chickens are only £3.50 cooked
    Meal plan - lots of ideas on the Old Style board. I do meal plan,did sunday dinner yesterday and got remains today, but i do over spend at times also including a few small amounts for mini hampers for parents and daughter

    If you can't/won't reduce the cost of the hair salon then at least stretch it a week longer in between visits. yes but its a bargain at £30 and i work in a really prestige company so dont want to look freight.
    With no holiday planned, that money can be thrown at the debts.
    no holiday next year your right
    Clothes that you can't afford for parties that you can't afford are not going to help your debt situation. You have to make sacrifices to get rid of the debt. That said, hindsight is a wonderful thing and ebay would possibly have got you nice clothes for the party at a fraction of the cost. Party tops tend to be worn once. I've had a quick look and found several at £5-£6 including postage. (This would give you over 30 tops for the amount you have paid to fashion world) Not everything on ebay is 2nd hand either, there are many shops too. yes will make sacrifices but I do like nice clothes and dont go out often but I am changine,


    Can you get overtime or a second job? No over time work 55 hours now including travel

    This is going to take a major mind-set change to achieve and I'm not sure you have had a LBM yet. It's going to be hard work, there will be sacrifices along the way. The debt didn't get there overnight so there is no over-night, quick fix. I'm sure with determination you can make a significant difference.
    Originally posted by Dobbibill
    thanks for your help. I also run a social group but Im going to pack it up after may, just paid £60 its a meetup groud
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • KxMx
    • By KxMx 27th Nov 17, 3:45 PM
    • 7,217 Posts
    • 10,135 Thanks
    KxMx
    At least give Aldi/Lidl a try- there is no reason why you can't still get some things at Iceland and the rest at A or L.

    We shop across Tesco, Iceland and Lidl! Each place has different things we like or can get the cheapest.
    Last edited by KxMx; 27-11-2017 at 3:48 PM.
    • enjoyyourshoes
    • By enjoyyourshoes 27th Nov 17, 3:52 PM
    • 807 Posts
    • 986 Thanks
    enjoyyourshoes
    You need to find a shed load from your expenditure to throw at the debt.

    The monthly interest just to stand still and fund your debt os £346

    To pay off 118 within 12 months you need to add a further £232 per month

    If you maintain this debt repayment (redirecting interest from paid off loans into remaining debt) it will take a further 17 months to reduce the debts to zero. That is if the 0% period lasts 29 months or more.

    You need to start getting tough with yourself and the contracts you are in a speak to a manager within each organisation to get a cancellation or fantastically better deal than you are currently on , as its obvious you are living well beyond your means.
    Debt is a symptom, solve the problem.
    • fay66
    • By fay66 27th Nov 17, 9:13 PM
    • 661 Posts
    • 1,562 Thanks
    fay66
    Hi

    Going to get touch your quite correct, the spending is stopping,
    Ive not spent since Saturday but Im off work sick,,I had left over sunday lunch and fed the dog this to save on dog food, and stretch it out,
    Ive had a light bulb moment and put my spare room for rent, but Im a bit worried as you dont know who your really going to get, had a bloke answer ,
    I can do a part time job, when im back to work but not being off sick
    but yes 118 is a crazy thing I did
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • theoretica
    • By theoretica 27th Nov 17, 9:29 PM
    • 4,940 Posts
    • 6,172 Thanks
    theoretica
    Renting the spare room is a great idea. By choosing where you advertise/ tell people it is available you can get different people interested. But remember when you have another adult in the house you will no longer be eligible for the single person council tax.
    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
    Lewis Carroll
    • fay66
    • By fay66 28th Nov 17, 7:51 PM
    • 661 Posts
    • 1,562 Thanks
    fay66
    Thank you I know about the c.tax, Im in a band b so will be £25 more a month
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • Soundgirlrocks
    • By Soundgirlrocks 29th Nov 17, 12:38 PM
    • 450 Posts
    • 649 Thanks
    Soundgirlrocks
    Renting the spare room is a great idea. By choosing where you advertise/ tell people it is available you can get different people interested. But remember when you have another adult in the house you will no longer be eligible for the single person council tax.
    Originally posted by theoretica
    If you get a Monday to Friday lodger and they have their main residence else where then you don't - its what I do and it means I get my place to myself at weekends too.
    • fay66
    • By fay66 29th Nov 17, 11:47 PM
    • 661 Posts
    • 1,562 Thanks
    fay66
    Its full time unfortunately, Im going to give it ago
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
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