My debt horror

PasturesNew

sargentusuk wrote: »

Right firstly this is my SoA then i will explain my current position

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1

Monthly Income Details
Monthly income after tax................ 670
Benefits................................ 440
Total monthly income.................... 1110

Monthly Expense Details
Rent.................................... 110
Mobile phone............................ 80
Satellite/Cable TV...................... 10
Internet Services....................... 15
Groceries etc. ......................... 30
Presents (birthday, christmas etc)...... 12
Entertainment........................... 200
Total monthly expenses.................. 457


Monthly Budget Summary
Total monthly income.................... 1,110
Expenses (including HP & secured debts). 457
Available for debt repayments........... 653
Monthly UNsecured debt repayments....... 322
Amount left after debt repayments....... 331

Personal Balance Sheet Summary
Total assets (things you own)........... 333
Total HP & Secured debt................. -0
Total Unsecured debt.................... -14,492
Net Assets.............................. -14,159

I am confused by this. You live alone, yet have no council tax; you have a TV, yet no license. There's no mention of water/gas/electricity/conents insurance at all. You spend £30/month on food, yet entertainment is £200.

You earn £8,000, but have your money made up to the equivalent of earning £16,500.

It's confusing.

sargentusuk

I live with my parents (forgot to include them)

out of all my creditors who will freeze interest and will I find it hard to freeze interest

have anyone put payday lenders on a DMP will they agree or freeze interest