Lightbulb moment...!

ms_london

Oompa_Loompa wrote: »

Hi - definitely a good idea! I have tried to, just think I need to get more early nights so I can do it in the morning (start work at 8.30am, takes half an hour). There is a shower at work, so I think that would be the best plan. When you put it like that - £80 saved, that's definitely worth doing and I could do with some weight loss too. All there every is at my work is cakes, cakes and cakes! For the least excuse - birthday, holiday, work anniversary!

Thank you for your advice xx

1/2 hour each way is nothing, and £80 a month is a good gain!!!

You have a reasonable amount left over so you should be able to manage ok, but definitely give yourself a weekly budget to stick too - it is hard to start with. It took me AGES to learn how not to spend all of my wages and actually have some left, let alone save any!

Oompa_Loompa_2

me123 wrote: »

Hiya,
You have a similar amount of debt as me and similar companies! I have an additions catalogue, balance is near £1000 and I am paying around £40 a month. Could you do a dmp?

S x

Hi - thank you!:) Is that a debt management plan you mean?

Oompa_Loompa_2

rainbow81 wrote: »

Hi,

Good luck with the driving, how long until your test?

What is the loan for?


R

Forgot to say - I'm not sure when my test will be. There hasn't been a date set but I'm making progress and this time around, just want to finally achieve it! I got the loan because I've been getting so many charges lately it's unreal. In the past few months m credit cards were over their limits, I have managed to get them all under their limit now, which is something and living somewhere cheaper has helped too. Great advice - hard to admit the clothes thing but it's true!!

Oompa_Loompa_2

As suggested by a few of you - here's an improved version. Think I get it now! Can't believe it, but I actually left out a credit card!

HSBC: £1800
VISA: £2000
Natwest: £400
Capital One: £700
Miss Selfridge: £110
Dorothy Perkins: £130
Very: £1300 (buy now, pay next year - only way I could afford to buy clothes and replace my laptop, aiming to get rid of debts first then sort this one out as it's not gathering interest at the moment).
Overdraft £2000
Owe family: £700 total

Salary: £1100 per month

Outgoings:
Rent: was paying £350 a month, now moved into a room the size of a box (not kidding - there is not enough room for my clothes!) and have reduced this to £260 per month.
Sky: reduced from £20 to £12 per month due to living with other tenants
Council tax: reduced from £80 to £40 a month (living in a rougher area to boot :rotfl:)
Driving lessons: £250 for 2.5 months approximately (for 10 lessons, otherwise it's £27 per lesson).
Buses to work: £4 per day
Lunches: very budgety lunches!
Mobile phone: £40 per month
Alcohol: £40 per month
Clothing: £50
TV licence: £5 (approx - not long moved in and living with 2 others, not been discussed yet)
Groceries: £50 per month
Electricity: £30
Presents: £20
Medical: £4 (prepayment cert)
Internet: £10
Holiday: £30 (counting this because I went home and paid for a flight to get there and will prob do same at Chrismas)

____________

Expenses: £589
Available for debt repayments: £511
Unsecured debt repayments: £200
Surplus: £311

_______

Unsecured debt: £7000

Oompa_Loompa_2

Also - regarding paying my family back. They are pretty good really. I give them as much as I can when I can, but they don't demand a certain amount each month. Thanks everyone on here for all your help and advice xxx