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Ive Turned On The Light

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Smamfer
Smamfer Posts: 2,480 Forumite
Part of the Furniture 1,000 Posts Photogenic Combo Breaker
edited 20 July 2011 at 10:11PM in Debt free diaries
la de da do de do dum dum de dah
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Comments

  • MrOrchard
    MrOrchard Posts: 207 Forumite
    Good luck with however it comes out! The big question is Do you spend more than you earn? If so, by how much?

    When you know that you can begin to tackle it.
  • Smamfer
    Smamfer Posts: 2,480 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    edited 20 July 2011 at 10:11PM
    kjdfhsncasjkdnh xadbc \.x,z.jhsbx
    2025 Wins ::
    *Gok Wan Ultimate Mummy Makeover - Jan2025
    *P&O 2 Week Caribbean Cruise - March 2025
    *£500 TOG24 voucher - April 2025
  • MrOrchard
    MrOrchard Posts: 207 Forumite
    I'm pretty new here, so I'm afraid I don't know the link! I'm sure a wise old hand will be along soon to help.
  • Lelc
    Lelc Posts: 558 Forumite
    Hiya - I think this is the link you're looking for. I hope it works as I've not done one before.

    http://www.makesenseofcards.com/soacalc.html
    Proud To Be Dealing With My Debts - DFW Nerd 323
    Debt free date - January 2012
    Mortgage free date - November 2013
    Cross stitch cafe challenge member no 16
  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    Link to the soa calculator: https://www.makesenseofcards.com/soacalc.html

    Old hands that type slowly it seems :(

    Just fill in the details on the form
    Press calculate
    Press MSE (at the bottom)
    New screen pops up that you can copy and paste from.
    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) 11/08/2011
  • Smamfer
    Smamfer Posts: 2,480 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    GeorgeUK wrote: »
    Link to the soa calculator: www.makesenseofcards.com/soacalc.html

    Old hands that type slowly it seems :(

    Just fill in the details on the form
    Press calculate
    Press MSE (at the bottom)
    New screen pops up that you can copy and paste from.


    Thanks a lot for this ( both of you) i been sat here with my big folder waiting for the link to start sifting through paperwork to get figures... ah well here goes nothing................:eek:
    2025 Wins ::
    *Gok Wan Ultimate Mummy Makeover - Jan2025
    *P&O 2 Week Caribbean Cruise - March 2025
    *£500 TOG24 voucher - April 2025
  • Smamfer
    Smamfer Posts: 2,480 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    edited 20 July 2011 at 10:12PM
    abcdefghijklmndjflshdcn akjshd sjdbcn k
    2025 Wins ::
    *Gok Wan Ultimate Mummy Makeover - Jan2025
    *P&O 2 Week Caribbean Cruise - March 2025
    *£500 TOG24 voucher - April 2025
  • Shoozles
    Shoozles Posts: 48 Forumite
    Good morning and welcome!

    I'm not an expert, I'm in big trouble myself - but I see that you have a surplus! This has got to be a good thing! Good about the maintenance too.

    Best of luck with the diary x
  • Smamfer
    Smamfer Posts: 2,480 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Shoozles wrote: »
    Good morning and welcome!

    I'm not an expert, I'm in big trouble myself - but I see that you have a surplus! This has got to be a good thing! Good about the maintenance too.

    Best of luck with the diary x

    Morning shoozles... i think majority of people have a surplus on paper its finding the damn thing in your bank account every month, but hopefully with some guidance i will see it.. Gl 2u2 x
    2025 Wins ::
    *Gok Wan Ultimate Mummy Makeover - Jan2025
    *P&O 2 Week Caribbean Cruise - March 2025
    *£500 TOG24 voucher - April 2025
  • Shoozles
    Shoozles Posts: 48 Forumite
    Maybe it's just me, I'm struggling to find the surplus on paper! Anyway, will not hijack your thread, and leave space for someone to come along with advice for you!

    ETA: Thought of something re smoking. Do you smoke straights? Could you switch to roll ups if you're not ready to give up?
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