my soa what do you think ?

lynzpower

:T you go for it!! Your doing so well!!!!!

T.L.C

updated
incomings
1200 a month wadges 300 a week max can change
100 a month child benefit

4400.00 debt
1900.00 cc 15% apr £? a month min payment
1500.00 cc 0% apr not sure of min payment yet
1000.00 overdraft £7 a month charge

outgoings
100.00 a month council tax
90.00 not sure of the monthly payment yet was this hope its gone down
70.00 rent a week
7.00 gas meter a week
7.00 elec meter a week
40.00 shopping a week
10.00 4 mobiles on paygo a month only if urgently needed if not none bought
20.00 on days out with kids we take pack lunch
40.00 for petrol for work
30.00 month bt phone
15.00 internet with tesco
10.00 month tv licence saving for it

apples101

T.L.C

Have a look for the snow ball calculator, it works out what is best to pay off first and how long it will take with the ammount you have to service your debts.

it really puts things into perspective.

sorry but i dont have the link to hand as it's on my home pc but i am sure someone will post it shortly for you.

T.L.C

ive had some bad news
i had to get a run around for my partner to get to work i got a cheep older car all in it was £900 pound with the insurance i was paing it back and because of the way the visa dose things the amount has only just shown on the bill...grr:mad:
what i thought the total was is wrong allthough i paid nearly 1000.00 this month it has been swallowed up by this stuff going on it
im well upset i was pleased to see the amount coming down
now its back where it was.......3900.00
i picked my self off the floor and went down the bank<payday>
and have paid
65.00 rent
5.00 elec
30.00 shopping
30.00 partners petrol and spends for the week
100.00 on visa
100.00 on 0% card
so it should now be after the bt
2000.00 visa
1500.00 tesco )%
i feel really alfull now all the scrimping and saving just to be in the same place:doh:

LookingAhead

Oh dear. Sometimes it feels like one step forward two back doesn't it?

Keep going, you've come too far to give up.

Just say out loud "I am doing this....failure is not an option!"

Remember.....we all have set backs. Mine was having my house broken into recently and having to borrow extra money (more than another grand!! :eek: ) to upgrade our security.

It gets you down when things happen and you see your hard work undone....but you'll bounce back. Just think...what would it have been like if you hadn't put in the work you have already done? :eek:

Come on, you're doing so well.

:grouphug:

beanielou

Well, suppose the way to look at it is that if you hadent paid off that amount , then you would owe even more.
Dont let it get you down & keep foccussed:A

T.L.C

beanielou lookingahead thank you for your words it was abit of a shock
but im going to get it cleared off so fed up with visa ...grr
best wishes xxt

T.L.C

i got bad news
my partner lost his job today
the visa is 2400.00 17%
the tesco cc 1500.00 0% till jan
i dont know how were going to cope
its my youngests birthday in two weeks
we was all set to be debt free
we have one weeks money to last till he gets a job
if we dont use the cards

T.L.C

today was payday
i covered the rent 65.00
council tax 90.00
used ebay money 50.00 for shopping im hoping it will last 2 weeks by using up things left in the cupboard/ freezer as well
i got tesco vouchers for some of my daughters birthday prezzies
weve applyed for three jobs so were just waiting to hear about them
thanks to you guys before this happened i managed to get a lot of the debt down so im happy that its not as bad as it was
and all the things i have learnd on here will help me not to spend on the cards and to not go into any more debt eigther
were going to manage this

T.L.C

possable job offer on wednesday
and we are to get some money for my partners holidays he didnt take
so we should be ok for a few weeks
we was doing so well to clear the debts to they will have to go on hold for a while and just pay the min
then it will be back to full on dfw chucking loads at them
:j