Have Finally Taken The Frst Step.

moofychops

Hi Folks,
Have sent off my information to CCCS who estimate it will take approx 4 years to clear the debt, and as I am 79yrs it will be a race between the banks and the undertaker lol

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1019
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1019
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 256
Management charge (leasehold property).. 0
Council tax............................. 79
Electricity............................. 30
Gas..................................... 30
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 30
Mobile phone............................ 0
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 154
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 11
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 12
Life assurance ......................... 15
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 8
Entertainment........................... 0
Holiday................................. 15
Emergency fund.......................... 15
Washing/Cleaning........................ 10
Total monthly expenses.................. 685

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

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Cap. One.......................1117......34........0
Argos..........................2250......48........0
Opus...........................1014......33........0
Egg............................1400......37........0
Virgin.........................2696......54........0
BT.............................4308......80........0
Littlewoods....................1392......42........0
Halifax........................3084......62........0
Paypal.........................2006......101.......0
Total unsecured debts..........19267.....491.......-

Monthly Budget Summary
Total monthly income.................... 1,019
Expenses (including HP & secured debts). 685
Available for debt repayments........... 334
Monthly UNsecured debt repayments....... 491
Amount short for making debt repayments. -157
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -19,267
Net Assets.............................. -19,267
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

ellesbellesxxx

Hi! Well done - you have taken the first big step!
Is your council tax over 10 months or 12? If over 12 then you have your two free months coming up.
You can def shave some money off groceries.. could you save on telephone by switching? I just switched to Primus and saving 10 a month! Good luck!

moofychops

Hi Ellesbelles......
The phone includes a basic internet with BT. i do tend to use local (expensive) shops close to home and not supermarkets etc. Perhaps I should make more time a shop more cheaply but as a male I am lazy and buy only ready meals (Microwaveable) and have aquired many bad habits like this. So yes you are right, must shake myself back to reality. lol
Thanks.
Ron