Help, so so low

McKneff

people keep suggesting posting a SOA, the OP is ignoring the requests,
OP either post your SOA or explain to the posters who are trying to help why you ask for advice and then igore it.

1_step_closer

I am not ignoring the requests - I took time away from the computer last night to clear my head ok? I feel that post was a little harsh.

Here it is:

Incomings:
Wages 1110.40
Little part time job 100
TOTAL 1210.40

OUTGOINGS
Petrol a month 40
Food 120 (this includes dog food which I order from Landywoods)(I also use this budget for presents for birthdays anniversaries xmas)(and the inevitable so and so is leaving at work/coffee club)
Gas 34 (switched this is cheaper than previous)
Union 8.20
Dog ins for 3 dogs 36.85
water 38.46
tv licence 11.95
council tax 95
electric 59 (switched this is cheaper than previous)
Boiler cover 2.50
DEBTS
mint card 130
egg loan 143
egg card 40
plat card 60
bank loan 208
car loan 84.09
barclaycard 60
TOTAL OUT 1210.83

as you can see there is no room for mot car service dentist etc. Now I will be away from my pc part of this afternoon so will answer any queries then.

I have stopped sky (that was 17 a month) we very rarely go out, no magazines or newspapers subscriptions or anything like that.

For those of you who have posted positively thank you, I feel much happier this morning as i can see there is light at the end of the tunnel! I have tried the 0% approach and have been refused.

1 step

poppy10_2

Get rid of the dogs. You can't afford them.

1_step_closer

are you actually being serious there? I cannot beleive anyone would suggest that.

firesidemaid

you said earlier that you and OH both have separate debts/accounts etc.

is the soa just for your debts/half? how complicated is the split between how much you each earn and have in debt? do you split things in proportion?

would it be easier doing a sort of joint soa?

depending on where you live, your water bill could come down - do you have a meter?

?stop union subs while you are so hard up. definitely visit the old style board for tips on reducing your food bill to the minimum. how much is your dog food costing per bag/month etc?

can you do any more overtime in either job?

Lilith1980

Your outgoings don't seem to be too much over your monthly income.

Do you absolutely need the car? Is it used to get to work? You'd save £124 a month if you got rid of it but sometimes they are a necessary evil arent they.

Have you looked to see whether you can transfer any of your credit card balances to a 0% deal or a low "life of the balance" transfer card?

Have you looked at consolidating all your debts onto one loan and seeing if that's cheaper? You have to make sure you get rid of the cards though to avoid the temptation of spending on them again.

frugallass

poppy10 wrote: »

Get rid of the dogs. You can't afford them.

such a helpful and mature suggestion !

frugallass

I'd agree that a 'joint' SOA might make it easier for people to see the situation as a whole

could you post the balances of the cards/loans and the interest rates etc?

thanks x

1_step_closer

Hello again

Hubby's debst are seperate but he pays the mortgage and all related things also pays for his daughter (that sounds bad!).
I did try for about 18 months to do without the car relying on lifts and things but it got very awkward and my work is not on a bus route.
I can do some overtime in the little job which will help.

The consolidation I have thought about but the interest would be huge and I really want to avoid that!

1 step

tealady

Hi Have you had a look at the Up Your Income threads there may be some good ideas there.