First time in debt now with soa

Kevicho

also the 180 a month is for your future and will open up your job prospects, cant your employer help with driving lessons?

postingalwaysposting

hi kev

yes it is a donation, and i dont really want to cancel it to be honest

the £40 savings i havent got much in there as this new one has only just been opened, my old savings account payed for some bills to be payed, the new savings is for a car and i cant get rid of it as when i pass my driving i need to be able to buy a car (i will not be able to get a loan)

this month has been tight but usually yes i will have that amount to put towards the debt, thank goodness

the driving will mean i will be able to apply for jobs i am trained in instead of being a checkout dolly, no my employer will not pay for it unfortunetly

I was going to do cc2 the cc3 then mum

thanks for all the suggestions

scheming_gypsy

Why do you have to wait till November to change your internet? maybe to change your provider but can't you drop down the package you're on as £27 is a fair bit these days.
Does your mum know how much you owe? can't she lend you the cash? or let you off 4 months housekeeping so you can clear your debt and play 'catch up' to her?

Kevicho

I really do think that for the next 3 months you should put that 40 towards the debt (making around 200 a month), as you will save a lot in interest, (plus being out of debt will be better than having savings and debt )then when its cleared you can put 200 (or 120) in the savings account to more than make up for it

beanielou

Any chance you could get a wee part time job even just a couple of hours a week just now to help you pay for your driving lessons?
You come across as being so foccussed and you are doing so well trying so hard to keep on top of it all:A

postingalwaysposting

Kevicho wrote:

I really do think that for the next 3 months you should put that 40 towards the debt (making around 200 a month), as you will save a lot in interest, (plus being out of debt will be better than having savings and debt )then when its cleared you can put 200 (or 120) in the savings account to more than make up for it

the soa above is montly so its only £40 a month going into savings, so that would only mean £120 for 3 months

scheming_gypsy wrote:

Why do you have to wait till November to change your internet? maybe to change your provider but can't you drop down the package you're on as £27 is a fair bit these days.
Does your mum know how much you owe? can't she lend you the cash? or let you off 4 months housekeeping so you can clear your debt and play 'catch up' to her?

because i am tied into a contract, i could prob lower the packaged, good thinking :dance: i am with bt btw, £38 comes out my account but mum pays the £11 line rental (i put that back in my account), yes mum knows but she cant lend any money and i wouldnt want her too anyway no i cant stop paying her as my brother wouldnt think it was fair although it was fair for him to pay her only £40 a month :mad:

beanielou wrote:

Any chance you could get a wee part time job even just a couple of hours a week just now to help you pay for your driving lessons?
You come across as being so foccussed and you are doing so well trying so hard to keep on top of it all:A

I would love to but at the moment i do 6 hours a day and every other weekend with mondays off, i have been taking loads of overtime though and doing 9-10 hour shifts i am just hoping the tax man doesnt take it all

Penny-Pincher!!

I'd reduce your internet package ASAP.

Personally dont think its fair that you ask your mum to reduce the house keeping. You are already living very cheapily at £30pw-its not your mums debt and you already owe her money.

Good luck

PP
xx

Kevicho

postingalwaysposting wrote:

the soa above is montly so its only £40 a month going into savings, so that would only mean £120 for 3 months

40 savings plus 160 a month you have otherwise (200 a month total you could pay), sorry should have been clearer

scheming_gypsy

Kevin.. your £200 a month doesn't leave her any money... for anything. to last a month,

Kevicho

scheming_gypsy wrote:

Kevin.. your £200 a month doesn't leave her any money... for anything. to last a month,

i know, im a tough, cruel person

But in fairness she has already stated that she has 160 to throw at the debt, + any extra earnt from overtime can be used for "treats" if thats what you are getting at

I spend very little in the month on myself, the only things ive bought myself in the last 7 months are some blank cds, I budget for my nights out (100 a month) so no one needs to spend great deal of money

Also looking at the name and the online gaming thing she prob is occupied by the net (like me) a lot anyways