My new soa as requested!

the_taws_family_of_7

income £1533(£320 ssp,£257 family allowance,£308 working tax,£648 child tax)
mortgage £480
council tax £80
gas £30(£100ish owing pay dd scheme)
electric £30(£100ish owing dd scheme)
water £36
school bus fares £65(unavoidable could walk home weather permitting takes an hour)
travel £64(drs appointments,dentist,shopping)
home insurance £26(have just renewed buildings contents accidental damage)
life insurance £24 (just renewed saving £2 compared to our last one)
household £400(cant cut as have took off school dinners so will need packed lunches also have 2 little ones in nappies)
cartax/mot/petrol/insurance £47.50(this is upkeep only at the moment as husband isnt able to drive because of condition.But insurance still has to be paid.cars worth nothing but scrap so isnt worth selling and is alot cheaper for us when he is able to drive again)
sky £22 (have cut it down)6 month provisionally(better than £43)
petplan £15.81(have just signed with these is a couple of £ more expensive than others but covers my dog for life so shes covered for recurring problems)
bt internet/phone £44.99(cant pay less as we have a balance of £161 and only statrted with their broadband in june so cant change till next june)

Priority debts

mortgage £852 arrears(£67 month)
council tax arrears £630(£40 month)
black horse £9800 insurance paying
welcome finance£2439 insurance paying

Non priority debts

natwest overdraft £4500ish(only £4000 limit)this is going up and up by the day till 28 days time when theyre freezing it.Then im hoping to reclaim some of it back.
lloyds £7650(loan interest frozen has been since 2001)
lloyds £6500(loan interest frozen has been since 2001)
marks and spencer £5415(loan interest frozen has been since 2001)
lloyds £3850(credit card interest frozen 2001)
a&l £2290(credit card interest frozen 2001)
lloyds £1047(overdraft interest frozen 2001)
cap1 £770(credit card interest frozen 2001)
cap1 £656(credit card interest frozen 2001)
freemans £350(no interest on this)
simply be £301(no interest on this)
provident £291(interest frozen with debt collector)
shopacheck £280(interest already on as this is added at the start and have made regular payments)
paypal £319(from having to refund for a projector tv my husband sold)
tiscali £212(unclaimed direct debits they never took so we spent!!)
mobiles £727(old contracts that werent fulfilled due to a stolen phone then taking out new one then cab saying we have to drop these)

Husband cuts our boys hair,daughters growing hers i only have mine done every 4 months highlights thats about £40 which is £10 a month.
I suppose birthdays i hadnt thought generally £20 per child.(£100 a year dont buy for anyone else not even each other)
I think thats everything.
My husband doesnt have a paper reads it all on the internet.
I do buy most of the kids shoes and clothes from ebay (granted most were designer so i realise that will have to stop)This is generally paid for by the things i sell clothes theyve out grown etc.All the boys get their trainers and boots from ebay just the little one gets clarkes she gets about 3 pairs a year £28 a time)£7 a month.

Gal

Just a quick question - Judging by your SoA you can't drive and your husband can't either at the moment. What about cancelling the car insurance until your husband can (72 Days is 2 months saved off that).

Sure someone can advise you better but that did stand out for me.

Your SoA is better this time as well

lynzpower

bt internet/phone £55(cant pay less as we have a balance of £161 and only statrted with their broadband in june so cant change till next june)

tell them that you would like thier cheapest dial up package and then they can have the difference paid off quicker. I expect thier dial up is about a tenner a month, so theres a saving there for you

bikerqueen

can your OH look after the kids while he's off sick so you could get some temp work until he's better, and get some real money coming in?

lynzpower

And OH while hes off sick can be in charge of sorting out stuff for ebay and getting it loaded up

I think bikerqueens idea is the best, blatantly neither of you having a proper income is the killer in all this.

the_taws_family_of_7

bikerqueen wrote:

can your OH look after the kids while he's off sick so you could get some temp work until he's better, and get some real money coming in?

Hes really not fit and able to i have a friend that can help out at certain times during the day and my aunty whose 82(shes really fit and spends alot of time with them) says she can help for a few hours here and there so im really only able to work 16 -20 hrs but this works out as beneficial as 40hrs as ill not lose my tax credits

angeluk69_2

reduce your sky package right down, you are allowed to change you package as long as you have a package for a calender month before changing again you should be able to do this.

at the mo you are spending approx £642 a year on tv (inc tv licence and sky) very high amount

lynzpower

Could you work evenings? say in a bar or a shop or something? Or even nights?

the_taws_family_of_7

lynzpower wrote:

Could you work evenings? say in a bar or a shop or something? Or even nights?

Ideally nights would be great shelf stacking etc as the children would be asleep husband can manage that and friend can help while i sleep im applying for loads of jobs.

Rgc_3

Hi

I ve followed this post since you first posted the other day and firstly id just like to say well done for the efforts your putting into getting your finances onto an even road.

I simply cannot get past the thought that the initial CAB advice has thrown you out a bit and done more harm than good to you. and i honestly think your next step is to go to another source of help and show them exactly what you have posted here as your soa.

All the advice you ve gained here is fantastic nd ive taken note of alot of it for my own financial probs but it really really is time to sit down with a pro from someone like the cccs and get an end to the uncertanty your going through.

Well done on your attempts to rectify the cheques issue and once again well done on facing up to your debts......but please phone the cccs in the morning and get the ball rolling properly

best wishes....Rich

the_taws_family_of_7

any idea what happened to my thread?has just disapeared