SOA here goes

Broken_hearted

Joint income £740
child benefit £113
DLA £128
£981


mortgage £193
water rates £26
gas £25
electric £35
BT £47
internet £20
tv licence £11

Debts

Liverpool victoria £5,985 payment £10
Halifax £3,400 payment £20
Egg/moorcroft £1,165 payment £20
Wescot £700 payment £20 (hopefully going soon)
M&S £900 payment £25
Barclaycard £600 payment £15
Capital one £700 payment £21
littlewoods £200 payment £10 (will be gone by end of aprpil)
Barclays o/d £250 payment £4

total £502 :eek:

Alleycat

Hi Brokenhearted, well done on posting!

Just one thought, you haven't included any food or other expenses on here. You need to eat! Also, your phone bill is pretty high. Make sure you are on the basic BT package (£11 I think) and use 1899 or their alternative (can't remember off hand the name) which will give you cheaper calls. We have managed to cut our phone bill down quite successfully using 1899 for all local and national calls.

If you can post all your outgoings each month, that will give a clearer picture of what is available to chuck at your debts. Re Wescot and Littlewoods - are you overpaying them at the moment as you say they will be gone very shortly?

THE_LONE_RANGER_4

hi how many children do you have as you state child benefit , but no tax credits etc working tax credits etc? do you get council tax rebate as your income seems very low ?