SOA - Eyelash

fairydiamond

Hi, You say bills and council tax are included in your rent, but you have listed council tax on your SOA, so I'm a bit confused.

eyelash410

Sorry been away. In fact that council tax shouldn't be there my rent is 600, but m,y bills including c/tax is £90 that's what I meant to say.

I spoke to a friend who deals with debt all the time his job. I've got my credit report, have to do a spreadhseet of what I owe, my incomings and outgoings, and how much I need to live on. sending this to all my creditors, hopefully they might accept something!

thanks for all your advice so far.

As for no spend days, that happens on most days, I bring in the leftovers from last night dinner in.

£150 a month is not that much, I live in North London, Zone 2. It's not cheap living in this area.

RAS

eyelash410 wrote: »

Sorry been away. In fact that council tax shouldn't be there my rent is 600, but m,y bills including c/tax is £90 that's what I meant to say.

I spoke to a friend who deals with debt all the time his job. I've got my credit report, have to do a spreadhseet of what I owe, my incomings and outgoings, and how much I need to live on. sending this to all my creditors, hopefully they might accept something!

Hi

This would be correct IF you were not able to make the minimum payments and you have been doing that, so it is not really the best advice.

Do you have PPI on any accounts now or int helast 6 years?

Have you got any charges you can reclaim on any account in the last 6 years?

Anything that could go on amazon or e-bay or to a car boot sale that you no longer use?

Read the boost your income thread

skint_spice

Eyelash, if you cut back a bit on pressies and groceries for a few months and threw that and your excess at the Natwest CC then that would be gone really soon. With this money plus the extra you won't be paying towards the loan later in the year you will be able to make a dent in the debt. It will be a long road but have a play about with the snowball calculator - it's doable!