earwigs debt plan soa included

earwig

hi this is a thread to help me be more orginzed with my debt and money feel free to add your sugestions if you like i just want to put in place on here where i can put my goals down and achivments as well as my buget so i can keep track of it all

goals

1 to pay my debt off in three years
2 to keep with in my buget
3 to start my bank reclaim of fees
4 to pay of my electric bill
5to pay off my gas bill

i will sort my soa out over the next few days and post it on here and a full list of my debts and see where i can go from here

Wonder_Girl

Well done Earwig:T , i shall be keeping watch

earwig

hi ok here is my new soa

rent 600
councill tax 118
gas 34
electric 80
water 40
car in 50
phone 15
tv 11
denist 58
sky 15
food 280
pet 100
aol 15
catoluge 17
house in 7
line rental 10
saving 100
debt 190
car mat tax 25
birth christ hair 40
clothes 50
odds 80
takeawy 60
fags 120
total 2115

income

wages 1840
ctc 188
cben 116

total 2144
leaving 29.00 per month for anything else

i have 6800 in debt and have worked out that 190 per month i will clear these debts as there is no intrest on then at the minute i am on a dmp at 80 per month but oh had a payrise so i can more than double these payments to 190 per month and in three years they should be gone

Ruby_Pudding

earwig wrote:

hi ok here is my new soa

birth christ hair 40 (I take it this means birthday/christmas hair rather than birth of Christ hair? )
odds 80 (what does this mean?)
takeawy 60 (...........:eek:)
fags 120 (I'm guessing you already know what a waste of money this is)

Well I may as well be the first to say it but that's £300 a month that could be thrown at the debts straightaway

yung

earwig wrote:

hi ok here is my new soa

rent 600
councill tax 118
gas 34
electric 80 seem a bit hight any reason why
water 40
car in 50
phone 15
tv 11
denist 58
sky 15
food 280
pet 100 is that for pet food
aol 15
catoluge 17
house in 7
line rental 10
saving 100
debt 190
car mat tax 25
birth christ hair 40
clothes 50
odds 80
takeawy 60 can this be reduced
fags 120
total 2115

income

wages 1840
ctc 188
cben 116

total 2144
leaving 29.00 per month for anything else

i have 6800 in debt and have worked out that 190 per month i will clear these debts as there is no intrest on then at the minute i am on a dmp at 80 per month but oh had a payrise so i can more than double these payments to 190 per month and in three years they should be gone

those in red need to be review

earwig

i know it could be 300 but im not giving up smoking the kids will have birthday and christmas presants and so shall my famley it is a large one and the takeaways i NEVER cook on the day i go shoping strange but true lol

im not to worried about it taking three years to pay back my debt its a reasonable amount of time and before oh got payrise things were very tight so it will be nice to live normally for a while im not using credit iam repaying my debt at a reasonable amount i could of just shut my mouth and not told my dmp about my oh payrise as my dmp is worked out on ctc only so i dont feel to bad about it

but thanks for your post if i do want to pay more of my debt once the feeling of having money again weres off i will come back and look at the adives given on here where i can save more money and i know where i can find 300 stright away

earwig

yung wrote:

those in red need to be review

no it petrol my lazy typing again

lynzpower

hi sugar

do you really spend 58 a month on dentists? seems a lot?

Also what is "car mat tax" dare I say it, is this one southern scouser should be paying- sorry just had to get that in first

theres 100 savings there, I take it on top of all the other savings ( hair, b/days, xmas, car) whats this for? Only if you brought it down to say 80 a month, then theres an extra 240 to pay off your debts in a year, and it shouldnt hurt too much

x

earwig

electric is high as it inculed an outstanding bill but i am paying of the eletric bill 236.00 next week out of oh backdated pay rise so iwll be then droping it to 50.00 and add the other 30 to my gas so i can clear that and move away from them robbin *******

do you know they take 80 per month from direct debit of me and then sent me a letter of dissconection today saying they would put me on a pre pay meter at a cost of 245 and charge 30 for there person to do it

when i phoned them in the morring the lady said that someone had pressed the wrong buton and hadnt included the old bill and thats why they was sending out a letter she said so matter of fact oh dont worry about it its our mistake not yours i was like to right it your mistake and im sending in a formal complaint could you imagen if you was old and on your own and got a letter like that it would scare the life out of you anyway rant over :mad:

Ruby_Pudding

lynzpower wrote:

Also what is "car mat tax" dare I say it, is this one southern scouser should be paying- sorry just had to get that in first

Haha, that's the first thing that crossed my mind when I saw it too

all_hours

earwig wrote:

and the takeaways i NEVER cook on the day i go shoping strange but true lol

Couldn't you buy a family size ready meal the week before and stick it in the freezer - so when you go shopping the next week you just have to lift it out and stick it in the oven. You can buy a 4 person lasagne or shepherds pie for under £6 so even if you did that once a week it would save a little.