To Much Debt

calleyw

kawasaki wrote:

January 2006
mbna £6300 1.3852 %
Morgan Stanley £840
GM £3200 9.9%
Tesco £3200 1.325%
Cap One £600 1.240%
Abbey £1000 o.7935%
Robinsons £1600 0.7935%

hope you can help
kawasaki
our time is to precious to worry

Sorry if you thought you where being reprimanded but it just basic netiquette and makes your post easier to read if you don't use all capitals.

But I do think you need a little more detail in SOA.

You will need to note all your income and all your outgoings. I hope that others are able to help you more.

And your outgoings need to include everything from hair cuts to birthday and christmas presents, sky tv etc.

All the best.

Yours

Calley

aimingforadebtfreelife

be as honest as possible - list everything regardless of how trivial you think it is - no one as mentioned before is here to judge you. we have all been in the same boat and built up tips and advice to help you

caravanlover

mary wrote:

Be gentle. Don't reprimand someone before they've got started. It takes some confidence to come on the boards in the first place, and particularly when you have debt difficulties.

i agree well done for making the first steps.... everyone will help you out whether caps lock or not

inmypocketnottheirs

Hi Kawasaki. Well done for taking the first step and don't be put off over the comments about capitals etc. We all want to help!

You have given us the skin n bones of your debts, but we also need to know your household expenses, tv/phone/internet/food/gas/elec/water/insurance/council tax/travel/car/fuel/ and just about everything you spend on. We also need to know your income so we can see how much you have coming in and how we can create a surplus to reduce your debts. It will also help us prioritise your debts and how to make the quickest reductions and get you back on track.

We are not being nosey, but just need to have the full picture to be able to help.

Also, a starting point for you is to click on the budget planner link in the blue box at the top of this page.

Good luck and look forward to seeing you back again soon.

Hope this helps