**update** and help please

T.L.C

we got some good news today we got a job offer and it will be full time instead of the part time they were offering for about the same money to
so i can get back to clearing debts soon .my question is we wont get paid for a week after starting.but will get about £350 from the old job im tempted to put most of it on the debts what do you guys think? i miss the feeling good for paying off the debts but i dont know if i should hold off for one more week just incase.i want to see the numbers dropon the debts this being with out a job spooked me cause i couldnt do anything about the debts.im stuck of what to do thank you for your help xxt

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

4400.00 debt
2000.00 cc 15% apr £? a month min payment
1530.00 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 was cc payment now im 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

MCBIRNIE25

In my opinion, keep hold of the money for now to tide you over. Get back on track after that. Oh, and sort your phone and internet out, ya can get it so much cheaper.
have a good one,

MCBIRNIE25

tawnyowls

Well, if you put it into the account with the O/D you presumably will be able to get it if you need, but it'll still be reducing that debt a bit and giving you a lower interest charge that month.

What's the £90 for on second line of outgoings?

Gas and elec meter possibly more expensive way of paying. Any possiblity of changing to D/D or is that landlord's insistence?

Other than that, you seem to have cut it to bone. Keep it like that and enjoy clearing when wages come in!

david_hellier

I would put any extra money into paying off the most expensive cc.

According to my calcs you have £104-08 per week to spend on anything else. This includes food and the kids:

Not sure if you have a partner, but I suggest you write this amount in a little book each week and keep track of your spending. Try and spend less than this to carry forward to the next week. Good luck.

income weekly monthly
self 1200.00
partner
child benefit 100.00






total 0.00 1300.00
300.00 divided by 4.33

300.00 total weekly income

spend weekly monthly
rent/mortgage 70.00
council tax 100.00
elec 7.00
gas
water
secured loans
TV licence 10.00
fines
cc1 40.00
cc2 30.00
od charge 7.00
od payoff 10.00
other 90.00
mobile 10.00
petrol 40.00
bt 30.00
internet 15.00













total 117.00 342.00
78.92 divided by 4.33

195.92 total weekly spend

Start= income-spend= 104.08 per week

T.L.C

mcbirnie25 thank you for your post lynzpower told me about a internet and phone package that was cheeper but im a little worried about only having the bills on line im thinking about it thow xxt

T.L.C

tawnyowls thank you i didnt think of doing that thats a good idea it would be one less thing for me to worry about also xxt

T.L.C

david hellier thank you for your post i was able to put nearly £200 a week on cc at one point by cutting things out for a week ,your right about carrying things forward to the next week it dose help.and im going to write things down xxt

T.L.C

i just wanted to post a update
today i packed of my partner with this lunch box off to his first day back at work:j hes got no credit in his phone to text me:mad: so im sitting here chewing my fingers hoping things are going ok.im so pleased for him as he was getting down about not being able to pay off the debts and being stuck in the house as well. the cash came threw from the old job but was much less than what we thought it would be:mad: but it should cover us for the week in hand he works.im just about down to my knuckles now better stop chewing ...ha i cant wait to be able to pay the cc 's properly as we only payed £20 on both this week we was so skint but managed to have a cheep day at the beach for fathers day to cheer him up ..xT