Thinking of going BR, help needed?

jimbraund

Hi everyone after burying my head in the sand for the last couple of years ive decided to tackle my debts head on and after working out what i owe it come's in at £22033.00. I'm never gonna be able to pay this off but what i want to know, is BR the best option. My soa is below so comments welcome.

SOA

Income £1140.00 per month

Outgoings

Rent £260.00 per month
Water £22.00 per month
Gas & Electric £73.00 per month
Car Insurance £35.00 per month
RAC £7.00 per month
Court Fine £40.00 per month
HMRC Fine £100.00 per month
Car £106.00 per month ( Car is in my GF name but i pay it as she pays council tax )
Food £140.00 per month
Petrol £90.00 per month
Mobile Phone £20.00 per month
Hairdresser £10.00 per month
Entertainment £50.00 per month

Total Outgoings £953.00 per month

£187.00 left a month.

Dont know if i've left anything out as never done one before.

Also 2 Adults living in the house , me & gf, no joint debts

jimbraund

****bump*****

philnicandamy

Try using this instead...save for MSE & then cut/paste here

http://makesenseofcards.com/soacalc.html