Help..

bearminimum

Hi FSCC
I'm new too... is there any way your partner can help you out a bit more with the household bills until your mortgage goes down? I know people have different ways of working their money out but if I had a mortgage and my parnter was living with me me I'd want half to it but I suppose it depends on what they earn. If not make token payments to your non-priorty creditors until your mortgage comes down, tell your creds when the mortgage will go down and at that point you'll increase your payments, this'll make em more likely to accept if they see its a temporary thing .bear

JasX

Unsecured Debts
Description....................Debt......Monthly...APR
apex...........................4133.44...175.......0
citi...........................7920.34...80.86.....7.18
nat cc.........................3330.95...280.......0
parents........................5000......193.2.....9
nat loan.......................16.421....294.......9.4 Is this a typo? if its £16,400 rather than £16 makes a fair difference
Total unsecured debts..........20401.15..1023.06...- should be £36,800 ?

Monthly Budget Summary
Total monthly income.................... 2,043
Expenses (including HP & secured debts). 1,620.3
Available for debt repayments........... 422.7
Monthly UNsecured debt repayments....... 1,023.06
Amount short for making debt repayments. -600.36
Personal Balance Sheet Summary
Total assets (things you own)........... 5,115
Total HP & Secured debt................. -144.95
Total Unsecured debt.................... -20,401.15 -36,800 ?
Net Assets.............................. -15,431.1 -£31,800 :eek: