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Just done something I so didn't want to do
Comments
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You need to call a debt charity such as Pay plan, you clearly are in a negative figure each month, you could be better of on a DMP or some other debt remedy.
xxx
I’m back and more determined than ever!!!!!0 -
P.S The other adult in the house im guessing is one of your children, if you dont mind me asking are they working and paying you some rent money???? I started paying my parents £100 a month as soon as I go my first job.
xx
I’m back and more determined than ever!!!!!0 -
tasha-debt wrote: »P.S The other adult in the house im guessing is one of your children, if you dont mind me asking are they working and paying you some rent money???? I started paying my parents £100 a month as soon as I go my first job.
xx
No it's my au-pair x0 -
I would suggest you contact CCCS, there are likely to be some costs that are disallowed from your SoA (such as some of the aupairs costs) and some figures are still high (such as food and car insurance) but even so I would imagine you will show a shortfall. Just because you didn't with national debtline does not mean CCCS cannot help you.
I think you need to talk it through in detail and if they come up with a different figure at the bottom find out what they have and haven't allowed.
As for food you really do need to be rethinking what you are spending and what type of foods you are buying. £400 ought to be more than enough, there are people on here who feed families of 5 on £200. Of course this is academic for this month as for this month you need to be looking at really cheap ways to feed your family hence the link I put on the last page on how to feed a family of 4 for £40.
Have all your DDs gone out this month? if not cancel them and send a token payment only (say you are seeking advice on your debts).A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
The 'food' bill is high but thats not just food. Its including tolietories, washing powder, cleaning products etc etc0
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Not much to add but as has been said car insurance & mobiles are high.
If you have an au pair why do you still spend so much on childcare?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
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Ah right got you thanks.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Why do yo have an au pair and still pay child care?Tallyhoh! Stopped Smoking October 2000. Saved £29382.50 so far!0
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The childcare is her wage.
See cherrypies post above.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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