Advice/Help needed please

miss_missy

mrdebtfree wrote: »

Hi thanks for that i have completed the form below, i am not sure if all my debts etc are in the correct boxes, but everything i currently owe is there, I am not currently paying off my debts at all and i am living free of charge at my parents (only paying for my own food).My income is spent as described

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 254
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 254

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 15 try to reduce to 10
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 30is that really all you spend?
Clothing................................ 30 reduce to 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 100
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20 who do you buy for other than your son? reduce this to max of 10
Haircuts................................ 0
Entertainment........................... 60 you can afford that? what is it for? at least half it to 30
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 255


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
O2 Phone Bill..................213.......0.........0
1month Loan....................443.75....0.........0
Bt.............................133.79....0.........0
parents loan...................4000......0.........0
college fees...................430.......0.........0
council tax arrears............650.......0.........0
Optima Legal(mortgage..........6588.22...0.........0
Sky............................159.9.....0.........0
E-on...........................1535......0.........0
United Utilities...............236.22....0.........0
Total unsecured debts..........14389.88..0.........-


Monthly Budget Summary
Total monthly income.................... 254
Expenses (including HP & secured debts). 255
Available for debt repayments........... -1
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -1

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -14,389.88
Net Assets.............................. -14,389.88

my suggestions are hard but until you get a job you cant afford all these things above
my suggestions saves you £75 that would leave you 74 to make offers to your creditors you need to pay your council tax
so you could pay 8 creditors £1 leaving the rest £66 to go to your council tax taking 10 months to clear that also includes putting of paying your parents at the moment

i do agree you should pay for your son but would your ex take less for a while so you can pay council tax quicker

id also be tempted to go to 0 on entertainment until council tax it paid

do you have anything to sell? on ebay or at carboot?

im not sure whether you cccs will help you if you havent got a job

are there any possibilities of work in the near future?