8k DEBT HELP

newleaf

Your family situation isn't quite clear, so forgive me if this isn't relevant but, are you entitled to anything like Tax Credits for children or 'working family'? If you have older teenagers (over 18) do they contribute towards board & lodgings?

Antj87

i lived alone until last year when my 14 year old daughter moved in i get tax credits buut they will more than likly want it back as ivve done alot of overtime, also my two sons visit weekly,

i pay single persons council tax, as last year i was charghed full amount (no sigle person discount) so they told me just to pay single persons rate>

newleaf

Do you get the child benefit for your 14 year old then? It should be paid to you if you have custody.
You are still eligible for single person discount for council tax, the others won't count until they reach 18 so council tax may owe you something?

Antj87

lol i owe council tax £400 pounds from 4 years ago so im payng that back 10£ a week

homersimpson_3

TELEPHONE IS £40 with internet

-
still too high- shop around for better deal.

Telephone - Mobile £40.00

too high- why essential- cheaper contract or change to payg

gas, electricity and food can all be cut dramatically

why is car essential?

Antj87

car is work

mobile is work

mobile is good compared to 90£ i used to pay

telephone - also work

talktalk phone + internet + reduced mobile calls + all costs

In_Search_Of_Me

brranger beware those lovely looking cheques - I recently discovered that they chage you more (on mine!!) every tim eyou use them - about 2% of the cheque ammount in addition to interest!!

brranger wrote:

Ring them and ask if they can give you a better rate the best they can do is 9.9% I think but they may do you a transfer deal at 6.9% as they keep sending me special cheques to do it with.



How come it changed from 0% to 6.9 LOB and is the offer still open to new balances if so shift some Egg card over. talk to Halifax first see if they can give you a good offer.

Ranger

brranger

yeah its 2% but I don't use them anyway. Just the same as LOB transfer with the right ones.

calleyw

I hate to say this you seem to have a few things missing from your SOA.

What about clothes, hair cuts you have a car and bike tax down but what about insurance. Also what about christmas and birthday presents also school trips. Do you not give your daughter any pocket money or any money to top up her phone etc.

I know I am stating the obvious you need to make more money as well as cutting expenses to the bone.


Yours


Calley