23+skint!!!

rog2

If it's of any consolation I am 56 and skint:mad:
At least you are at an age when you will be able to learn from your experience.
Good luck

Bloke_with_a_simple_life

moneywaster wrote:

thats what im doing shutting the account!! then my only payment is to my loan!! then i am going to start saving to pay off my loan early!!!! my loan is really low apr!!! going to sell some stuff on ebay aswell!!! going to get thro this!!!! thanks to my family and i am going to become scoorge with money!!!

Mm.. great that your family can help - but when and how are you going to repay them back? Start making payments back to them - even if it is just a small amount per month, it will show your thanks and gratitude - and confirm to them you are taking this seriously.

save-a-lot

Bloke_with_a_simple_life wrote:

Mm.. great that your family can help - but when and how are you going to repay them back? Start making payments back to them - even if it is just a small amount per month, it will show your thanks and gratitude - and confirm to them you are taking this seriously.

That is very sound advice from the_guy_with_a_simple_life, we have had problems (huge great rifts actually) in our family that boil down to borrowings within the family never been paid back.

david_hellier

Welcome.

According to my calcs you have £33.46 per week to spend on yourself. I suggest you write this in a little book on a Monday and write down what you spend and subtract. If you have any over, carry it forward to the next week. If you spend more than this you are overspending and getting more in debt. I have included £20 per month OD payoff, so ignore your bank balance.

Good luck, the figures are as follows:

income weekly monthly
self 800.00
partner







total 0.00 800.00
184.62 divided by 4.33

184.62 total weekly income

spend weekly monthly
rent/mortgage
council tax
elec
gas
water
secured loans
TV licence
fines
loan 215.00
cc 120.00
digs 150.00
gym 35.00
phone 60.00
car ins 15.00
travel 40.00
od payoff 20.00














total 0.00 655.00
151.15 divided by 4.33

£151.15 total weekly spend

Start= income - spend = £33.46 per week