new person here : quick question !

nervousmother

Put your Car aintenance up to £40.. trust me my new tyres cost me more than your yearly allowance & I had to pay nearly £500 for one part 2 months ago!!

t666

fiveyearplan wrote: »

Did you put down the loan that your dad is paying on there? If so your deficit is only £122 so I would urge you to speak to one of the debt charities like CCCS, CAB or National Debtline. You can find their contact details in TigerFeet's signature. They will go through all your options with you. You have relatively good salary, you could clear that debt without resorting to bankruptcy. That will leave other options open to you later in life. Its worth exploring anyway.

hello, no i didnt include dads loan.
I have spoken to 2 debt charities, payplan they said bankruptsys best, i would be paying a DMP for 7 years.. and i know full well its just another form of consolodation, which will not leave me much to live on.. which in turn will make me take out more credit (if possible!! ) to live on , continuing the same path I have trodden for 12 years.. for which i just need to be released from.

t666

nervousmother wrote: »

Put your Car aintenance up to £40.. trust me my new tyres cost me more than your yearly allowance & I had to pay nearly £500 for one part 2 months ago!!

okey dokey

t666

another thing I forgot: i have to pay a professional body a registration fee per year...if I don't do this i lose my job... will this be counted? Its about £70 per year.

t666

fiveyearplan wrote: »

Don't you pay gas/elec/water/council tax?

I don't pay these currently as I am in keyworker accomodation.. its all included. Theres no way I could live in a normal rented flat in london with all those bills.... I would be looking at £700 plus bills
And if I move out of london with my type of job I would be taking a 10k pay cut at least

tech2_2

You have car insurance etc, but no car as an asset? please explain?

Tech2

t666

tech2 wrote: »

You have car insurance etc, but no car as an asset? please explain?

Tech2

dads car. its only worth 700 if that btw. however i pay costs on it. I am on my dads car insurance, hence only 35.

tech2_2

Does £417n include all bills?

Can you brake that down please

AS you are looking at a IPA and the more you can find and claim the better you will be

t666

t666 wrote: »

I don't pay these currently as I am in keyworker accomodation.. its all included. Theres no way I could live in a normal rented flat in london with all those bills.... I would be looking at £700 plus bills
And if I move out of london with my type of job I would be taking a 10k pay cut at least

think i already answered that one!

t666

could i put anymore than £100 for petrol? i walk to work usually so i guess they would say i dont need the car. However I use the car to visit my family who are several hundred miles away, twice a month, my actual petrol is probably more like £170 TBH.