Debt Free Diary for me and bf

sammy_kaye18

Ok the debts are technically his but seeign as we have been togther adn my stuff is at risk it is now becoming ours - liek it or lump it

his debts

4,500 morgan stanley (now thames limited)
1,220 HSBC (now metropolitan credit)
2,500 More Than
4,989 Northern Rock (now henderson, booth and snell)

so in total he has about £13,500.00 approximately.

so today i have arranged for harrington brooks to investigtae where the money is going. we pay them for HSBC, More Than and Morgan Stanley but the money seems to be cashed by these and not sent on to the creditors who are actually dealing with or who have brought the debt.
Also i rang henderson, Booth and Snell and have arranged to pay £30 a month as of 1st september to get the debt paid off, and she said in a years time she will review the account and see about a possible discount if i pay on time etc.

Ok earnings wise

bf earns 840.00 a month for 6 days work 9 - 5.30 - also bf is paid cash in hand so no tax but also no workign tax credit as no employee number.
i earn 229.24 a month for 2 days work (fri 6 - 10pm, sun 3 - 10pm)
benefits we recieve come to about £200 a month (childs benefit £68 and childs tax credit £132.)
so in total we have £1269.24 a month earnings

Our outgoings are like this a month
196.00 rent (council flat)
30.40 water bills
70.00 Council Tax
11.00 TV License
17.99 NTL unlimited 1mb
8.00 NTL family pack TV
38.00 NTL talk unlimited (phone bill)
60.00 gas and electric (meters)
130.00 food shopping (me, bf, 2 year old and a jack russell)
£48 bfs food at work (£2 a day)
£10 taxi when doing food shopping
£5 bus fares

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£624.39 outgoings

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plus form this we have £80.00 to his ex for child maintenence and £165 we are currently paying harrington brooks. so really we have outgoigns on £869.39. so we are left with £399.85 a month but none of this is ever seen as bf spends his money on !!!!!! basically.

we dont have any travel expenses as bf cycles to and from work every day and my work is next door to our flat. Bus fares are mainly to get me into town to do the food shopping or pay the bills. We dont have a car (well we do but its got a SORN on it because its not running etc).

Any ideas on wehre we could cut back etc. Im living very frugally as it is to sort thigns out and £30 of that money will be used to help pay the hosue debt now too.