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FINALLY my SOA! Pleeease look. Really could do with using it today!

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Comments

  • Eupho
    Eupho Posts: 1,259 Forumite
    Hiya,

    Just a few comments from me,

    I think the son that's at college should be paying his own bus fares, I was paying mine at 15 before I got any help aged 16. Look into applying for bursarys or grants.

    Thankyou :)

    I will look into any funding things regarding his bus fare. He DOES get EMA (Education Maintenance Allowance) £30 a week. But he keeps that. :rolleyes:.. I have tried to talk to him about getting a part time job.. (like some of his friends) but he doesn't want to know. :mad:.. I think I will talk to him again about giving me the £25 per month.. that still leaves him £95 .. which is more than I flippin get!
    Very proud of trying to deal with my debts. LBM 04/09
    :T
    [STRIKE]£34.217[/STRIKE] ~ 05/09. £33.817~ 06/09
    to [STRIKE]13 [/STRIKE] 12 creditors. Doing my own DMP. :dance:
    DMP mutual support member 309. NSD 12/12
  • Eupho
    Eupho Posts: 1,259 Forumite
    oHHHH I just read my sentance back and I didnt mean it like that, sorry

    I didnt mean that you just give them money, I just meant you like my mam couldnt afford to give the kids money

    I hope that makes sense

    Oh.. :rotfl: :beer:
    Very proud of trying to deal with my debts. LBM 04/09
    :T
    [STRIKE]£34.217[/STRIKE] ~ 05/09. £33.817~ 06/09
    to [STRIKE]13 [/STRIKE] 12 creditors. Doing my own DMP. :dance:
    DMP mutual support member 309. NSD 12/12
  • Eupho
    Eupho Posts: 1,259 Forumite
    mervyn11 wrote: »
    Just a short one......cant see any CSA payments being made by the father ( s ) of your 3 children ???
    Surely he should be contributing ????

    Yeah SHOULD.. but he is broke now (apparently)
    Very proud of trying to deal with my debts. LBM 04/09
    :T
    [STRIKE]£34.217[/STRIKE] ~ 05/09. £33.817~ 06/09
    to [STRIKE]13 [/STRIKE] 12 creditors. Doing my own DMP. :dance:
    DMP mutual support member 309. NSD 12/12
  • Eupho
    Eupho Posts: 1,259 Forumite
    ^^ Could you then change your sky package to a lower package?


    I could, but I don't know how much lower the packages go.. I don't have the movies or sports and whatever. :confused: I don't know what other ones they do.

    :beer:
    Very proud of trying to deal with my debts. LBM 04/09
    :T
    [STRIKE]£34.217[/STRIKE] ~ 05/09. £33.817~ 06/09
    to [STRIKE]13 [/STRIKE] 12 creditors. Doing my own DMP. :dance:
    DMP mutual support member 309. NSD 12/12
  • Eupho
    Eupho Posts: 1,259 Forumite
    Hiya,

    Just a few comments from me,

    I think the son that's at college should be paying his own bus fares, I was paying mine at 15 before I got any help aged 16. Look into applying for bursarys or grants.


    Oo and yep.. I'm sure I can cut the groceries.. and nope I have no emergency cash.

    I need some tho ;)
    haha.
    Very proud of trying to deal with my debts. LBM 04/09
    :T
    [STRIKE]£34.217[/STRIKE] ~ 05/09. £33.817~ 06/09
    to [STRIKE]13 [/STRIKE] 12 creditors. Doing my own DMP. :dance:
    DMP mutual support member 309. NSD 12/12
  • If your eldest isn't prepared to help you out, he should at least pay for his own bus pass (oh and not get pocket money as well!)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Eupho wrote: »
    I could, but I don't know how much lower the packages go.. I don't have the movies or sports and whatever. :confused: I don't know what other ones they do.

    :beer:

    They start at £16.50 - £21.50 (without the movies and sports) and as far as I know you can get Sky Talk for free (but have to pay £10 linerental) and broadband for free (you have to take sky talk for that though)?
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • Eupho
    Eupho Posts: 1,259 Forumite
    If your eldest isn't prepared to help you out, he should at least pay for his own bus pass (oh and not get pocket money as well!)
    haha.. I agree! :T.. I'm going to start working on that (him) ASAP.
    Very proud of trying to deal with my debts. LBM 04/09
    :T
    [STRIKE]£34.217[/STRIKE] ~ 05/09. £33.817~ 06/09
    to [STRIKE]13 [/STRIKE] 12 creditors. Doing my own DMP. :dance:
    DMP mutual support member 309. NSD 12/12
  • Daffykjs
    Daffykjs Posts: 413 Forumite
    Some very good advice on here! I definitely think your son needs to get less from you, especially as he's already getting money for college. he should definitely at least pay his own bus fares. that IS in his intertest. maybe you could sit him down and explain it to him!

    Also is there any way you can chase your ex for the money! that seems like a cop out to me! Doesn't he HAVE to pay something? I thought it was law or something?

    I definitely think you should be able to do a DMP with that (be it on your own or through payplan or cccs). Why don't you give national debtline a call. they are really helpful and easy to talk to!

    good luck with it all. hope you can get some kind of plan sorted out!
    DMP Mutual Support Thread Member No 261
    Debt at start of DMP (Jan 2009) = 46,147.86 Now = 36,826.98
    DFD = [STRIKE]Jan 2014[/STRIKE] May 2013 ([strike]60[/strike] [STRIKE]52[/STRIKE] 41 payments to go)
    NSD:Nov 12/12:jDec 9/10 Jan 5/10
    Slowly but surely
    :coffee:
  • Eupho
    Eupho Posts: 1,259 Forumite
    They start at £16.50 - £21.50 (without the movies and sports) and as far as I know you can get Sky Talk for free (but have to pay £10 linerental) and broadband for free (you have to take sky talk for that though)?
    Well I DID try to get the free broadband (they offer with it).. but they said I couldnt because that option wasn't available in my area.. (in the middle of nowhere)
    I have multiroom.. so thats £10 of the bill. I could take that off. (it goes to my bedroom.. and I never watch tv in bed anyway.. so that can go)

    £6 of it is for free (redial each hr) calls around the world.. need that for my sisters abroad.

    So £10 I could knock off that.. the rest I'm kind of stuck with. (i think) :o
    Very proud of trying to deal with my debts. LBM 04/09
    :T
    [STRIKE]£34.217[/STRIKE] ~ 05/09. £33.817~ 06/09
    to [STRIKE]13 [/STRIKE] 12 creditors. Doing my own DMP. :dance:
    DMP mutual support member 309. NSD 12/12
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