My SOA

ellesbellesxxx

You can cut down on your groceries. Try shopping around for electricity - I live in a one bed HOUSE and I only spend 30 on elec a month in summer and 37 in winter - and that's with storage heaters! Try using Quidco to boost income to a bit too

ViolaLass

Insane.simon wrote: »

Viola.. ever tried using public transport when hard of hearing? by that i mean my doctor classes me as severe/profoundly deaf.. buses are a complete no-no, can't even hear the driver over the engine/road noise. Trains are similar despite the fact that they are generally fixed in where they can go lol

This is outside of my area of knowledge and you will certainly know more than me but why can't you catch a train? Each stop is labelled and since the route is fixed, you could learn it.

Insane.simon

ellebelles - i have shopped around and got npower as the cheapest deal mind you i do expect it to come down as it's only just started on npower and we're coming out of the winter period.. well supposedly anyway

Viola - i have used the train before and it is easier when the stations are fixed lol, it's just when the tannoy start blaring out that so and so train is delayed due to whatever reason or that the next train will not be stopping at so and so station that gets me confused.. generally the info boards are correct but not always so i prefer to rely on my car for getting to work.

ViolaLass

Insane.simon wrote: »

Viola - i have used the train before and it is easier when the stations are fixed lol, it's just when the tannoy start blaring out that so and so train is delayed due to whatever reason or that the next train will not be stopping at so and so station that gets me confused.. generally the info boards are correct but not always so i prefer to rely on my car for getting to work.

I can certainly understand that you would prefer it but the question is whether you can afford that preference.

Grumpelstiltskin

Do you have a Disabled Persons railcard?

http://www.disabledpersons-railcard.co.uk/

OK It isn't cheap to buy in the first place but it's a good saving on rail fares.

pennypusher

Hi are you eligible for working tax credits? Also have you checked to see if you are entitled to any other benefits?

carlislelass

I didn`t know a deaf person was allowed to drive as they can`t hear any warnings. I apologise if this is wrong.

[Deleted User]

Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1100
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1100

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 550 (You could perhapse look at house shares until your debt are under control - either with friends or you can search through various websites - this could half this cost)
Management charge (leasehold property).. 0
Council tax............................. 73
Electricity............................. 45 (ensure you are on the best tarrif and with the cheapest company)
Gas..................................... 0
Oil..................................... 0
Water rates............................. 17
Telephone (land line)................... 13
Mobile phone............................ 20 (are you stuck into a contract? when does it end? You should be in a position to get some cheap sim only deals if you are mainly looking for texts (I assume you don't call much if you are severly hard of hearing) - I know for free minutes and texts you can get a good contact for £10/month)
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 7
Groceries etc. ......................... 130 (is this just for one - if so you can cut this down a fair bit - check the old style board for hints and tips and cheap recepies)
Clothing................................ 10 (use only your existing clothes and buy essentials only for now)
Petrol/diesel........................... 80 (this is high, are you managing to combine journeys/errands where possible. I know you've said that public transport's out of the question but can you car share with anyone at work?)
Road tax................................ 17
Car Insurance........................... 19
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 10 (what does this cover?)
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1043


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 600
Other assets............................ 0
Total Assets............................ 600

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Virgin.........................2389.63...157.......24.9
Egg............................2458.72...219.6.....26.9
(What is the APR on the following?)
Tesco Loan.....................4000......122.......0
Tesco Credit Card..............151.......20........0
HSBC (Overdraft)...............400.......200.......0
HSBC...........................2292......50........0
Total unsecured debts..........11691.35..768.6.....-


Monthly Budget Summary
Total monthly income.................... 1,100
Expenses (including HP & secured debts). 1,043
Available for debt repayments........... 57
Monthly UNsecured debt repayments....... 768.6
Amount short for making debt repayments. -711.6

Personal Balance Sheet Summary
Total assets (things you own)........... 600
Total HP & Secured debt................. -0
Total Unsecured debt.................... -11,691.35
Net Assets.............................. -11,091.35

Good luck with getting these debts under control, you've done the hardest part by posting, and it will get easier, CAB will give good advice.

Also, look at another board UP YOUR INCOME as this will hopefully give you some inspiration to make a few extra pounds, second job, survey sites (good for covering gifts at birthdays & Christmas), e-baying etc

Grumpelstiltskin

carlislelass wrote: »

I didn`t know a deaf person was allowed to drive as they can`t hear any warnings. I apologise if this is wrong.

Yes you are wrong, there is special provision made for taking a driving test.

http://www.direct.gov.uk/en/DisabledPeople/MotoringAndTransport/Yourvehicleandlicence/DG_4016279