lots of debt any ideas?

chevalier

Also there is no costs listed for car servicing, mot, car tax, insurance, house and contents insurance, life insurance
Do you not have any of these?

andrepoo

I don't have a car or any insurance.
I am updating my SOA. Will post in a minute.
Thanks guys
x

andrepoo

Monthly Incomings:

My salary - 1146
Partners salary - £600

Total - 1746

Monthly Outgoings:

Mortgage/Rent - 330
Council Tax - £72
Electric - £40
TV License - £10.99
Phone landline- 20
Phone mobile - 10
Food - 80 (just for me at the mo as partner living somewhere else)
Bus- 40
Personal laon- 78 APR
Graduate loan- 82 APR
Credit card- £300 (try not to pay minimum)
Beer- 20
Overpayment- 119.2 pcm (begins 1st Jan. 07)
Gifts- 15
Haircuts- 5
Clothes- 30

Total outgoings- 1252.19

Total left over: 493.81

Is there anything else I should include? I can't open the budget planner on this computer and i'm not online at home so I can't see the categories.

I have the following debts:
Credit card 2751 APR 15.5
Personal Loan 3042 APR 15.5
Graduate Loan 1230 APR 6.5
Over draft 400
overpayment from work 596

Total debt: 8019
OHMIGOG! I didn't realise it was so much!

pennylane99

does that include all your partners bills as well, as you have mentioned
they live somewhere else - you have included their salary....

andrepoo

He is living above his friends pub where he works (rent/food costs etc. free). The amout mentioned is what he gives me out of his salary towards my bills. So his costs are minimal and he has his own money (rest of his wages) to play with.