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Getting started, what to pay and how much to pay
deepindebtor
Posts: 140 Forumite
This is what I have currently
Rent - £544.80
Council Tax - £1,778.93 - See Below
Credit Card - £655.34
Electricity Supplier - £681.11
Gas Supplier - £253.48
Misc Debt - £168.28
BT (not current telephone provider) - £59.91
Misc Debt - £367.72
Misc Debt - £97.99
Water Debt - £851.89
Misc Debt - £86.51
Misc Debt - In Dispute - £825.90
Mobile Phone - £295.44
TV License - Weekly Scheme - £27 in arrears
Council Rent wanted £20 per week for arrears
Electric/Gas said £35 per week for arrears on card meter, presently not on card meter but they want me to swap.
Also said it would not cost me any more on a card meter, which I challenged but they say no any more.
Getting help with Council Tax as some of it is with the baliff and the rest with the council. Speaking to them on monday so hopefully have an amount that I have to pay them.
So what about the rest how much do I pay each, how to set amounts based on priority?
From £60 income a week. Contributions JSA.
Thanks for anyone that can help
Rent - £544.80
Council Tax - £1,778.93 - See Below
Credit Card - £655.34
Electricity Supplier - £681.11
Gas Supplier - £253.48
Misc Debt - £168.28
BT (not current telephone provider) - £59.91
Misc Debt - £367.72
Misc Debt - £97.99
Water Debt - £851.89
Misc Debt - £86.51
Misc Debt - In Dispute - £825.90
Mobile Phone - £295.44
TV License - Weekly Scheme - £27 in arrears
Council Rent wanted £20 per week for arrears
Electric/Gas said £35 per week for arrears on card meter, presently not on card meter but they want me to swap.
Also said it would not cost me any more on a card meter, which I challenged but they say no any more.
Getting help with Council Tax as some of it is with the baliff and the rest with the council. Speaking to them on monday so hopefully have an amount that I have to pay them.
So what about the rest how much do I pay each, how to set amounts based on priority?
From £60 income a week. Contributions JSA.
Thanks for anyone that can help
0
Comments
-
Have you contacted CCCS or one of the free debt charities? They should be able to advise as to how to arrange the payments and what will be priority.
I would say Council tax, rent & food, utilites - then anything else
These i would put as the priorities.
Also ask if they can advise as to what benefits you should be entitled to.After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110 -
Please update us on progress - I agree with GeorgeUK you definitely need some profession (free) advice... Also I note that you've said your on job seekers allowance... is there any way you could get a couple of jobs? I know they might not be what you are used to but is it worth setting your sights lower and getting in the habit of earning again. IMHO I think it is easier to get a new job from a job and any job shows that you have commitment and are hard working...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/250
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