Please help!!!

JohnD76

livvie84 wrote: »

* The £6.00 a month is for my dentist - this does not fall under free medical. There are very few NHS dentists near me.

There is only one dentist in our village and he is private but he does NHS for pregnant ladies up to the child is one year old. It is worth asking your local dentists if they do similar.

It sounds like you need to sit down with your blokey and both go through your finances to see where you can save some cash to repay the debts. Does your bf have debts as well?

livvie84

No, my boyfriend does not and never has had debts - he's a sensible and lucky sod! He does know how much I owe but I guess he thinks I'm managing. I better have a chat, but I know he can't afford to lend me money for this month, so I still don't know how I am going to pay anything this month!

livvie84

I shall check with my dentist.

izzybusy23

livvie84 wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 538
Partners monthly income after tax....... 0
Benefits................................ 82
Other income............................ 0
Total monthly income.................... 620
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 250
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 10
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 50
Clothing................................ 19
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............ 82
Medical (prescriptions, dentist etc).... 6
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 45
Haircuts................................ 0
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 482

Assets
Cash.................................... 0
House value (Gross)..................... 245000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 245000

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
A&L Overdraft..................417.......21........0
Halifax Overdraft..............1026......52........0
La Redoute Catalogue...........350.......18........26.8
Credit Card....................2793......84........0
Santander Loan.................1567......148.5.....8.9
Next Catalogue.................324.......17........26.49
Total unsecured debts..........6477......340.5.....-

Monthly Budget Summary
Total monthly income.................... 620
Expenses (including HP & secured debts). 482
Available for debt repayments........... 138
Monthly UNsecured debt repayments....... 340.5
Amount short for making debt repayments. -202.5
Personal Balance Sheet Summary
Total assets (things you own)........... 245,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -6,477
Net Assets.............................. 238,523
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.


Please note that I live with my boyfriend and we have a joint mortgage. I have not added my boyfriend's details and have left out our mortgage payments. This is because I am currently giving him £250.00 towards the mortgage etc whilst I am on maternity leave - this is listed as 'rent'. He pays for the rest of the bills/food etc. I will be going back to work in October, when my position will change. However, I need help now with my current situation.

Thanks!

Surely there should be something in there for tax credits? I can only see child benefit. Upto the age of 1 year old you should be getting approximately £100 per month for your child. Have you not contacted them?

livvie84

Thought you could not get tax credits unless you are working? I don't class maternity leave as working.

livvie84

Just checked they ask questions about 2009-2010 tax year but our income was too high for most of that year up to March.

livvie84

What do you suggest then whinger?! ;o)

izzybusy23

livvie84 wrote: »

Just checked they ask questions about 2009-2010 tax year but our income was too high for most of that year up to March.

If you ring up the tax credits, they will base your tax credits on this years earning potential; I was on maternity leave and got tax credits! You get them for the child; I am not saying claim working tax credits but CHILD TAX CREDITS. You get child tax credits if you are on the dole or claiming income support. Phone them up! Unless you earn in excess of £60k per annum, you will be entitled.

livvie84

Thanks izzy!