Debts :(

lynzpower

thats the right one moozie

I would say 100pw for 2 adults & 2 kids is a fair old amount on food- there are plenty of us doing about half that ( me & partner on 25pw for all cooking, cleaning lunches) but theres other moneysavers doing way better than us :money: have a good look on the old style board.

Id also say, whats the prognosis for that stuff in storage? Can you sell any of it? Or move to a cheaper storage. you are paying out over 600pa on this

pudding06

I would reckon that your housekeeping is the best place to start immediately.
Check out hte moneysavingO/S boards but essentially you need to
a) plan meals for the coming week/fortnight ( include snacks etc if needed)
b) from these meal plans write out shopping lists
c) stick to them lol when out shopping
d) cook the meals youve planned

dead easy !!!! and will save you a fortune if you do it properly

Always use up anything form your fridge/freezer cupboards and aim never to throw any food out.

start a spending diary for all your spending as from today ( no time like the present) Note the date andeverything you spend and what it was on.

Then start on your storage - try to get rid of anything you dont want or cant accomodate so you can save that money.

Good luck

pudds

simonrudd

the reason i havent included the money i have earned through my work as it went on personal and business debts that i havent included here.

can anyone give me alink to the old style board??

debtCollector_3

simonrudd wrote:

Kays £300 paying £1
Cahoot £6,000 not paying anyone at the moment
Barclays £11,000 Paying £1
egg £11,000 paying £1
Adams £300 not paying anyone at the moment
Burtons (CCJ) £1400 paying £1
Natwest £1,000 paying £1

this comes out as £31,000 so i might either over estimate in my first post or screwed up my estimates

Hi debtCollector, well most of my creditors were more than happy to accept a token payment - i just wrote to them with my budget and offer of £1 per month after talking to the cccs and the cab for advice . only one took me to court (burtons) but i still only pay them £1 although its a CCJ.

i found this site very helpful http://www.nationaldebtline.co.uk/en...t_advice.php#3

Thanks Simon.......

One of my creditors is cahoot, did they not accept £1 token?

debtCollector_3

pudding06 wrote:

I would reckon that your housekeeping is the best place to start immediately.
Check out hte moneysavingO/S boards but essentially you need to
a) plan meals for the coming week/fortnight ( include snacks etc if needed)
b) from these meal plans write out shopping lists
c) stick to them lol when out shopping
d) cook the meals youve planned

dead easy !!!! and will save you a fortune if you do it properly

Always use up anything form your fridge/freezer cupboards and aim never to throw any food out.

This is so true, I plan meals and write a shopping list , it almost halved my food bill.......and when I go shopping I leave the kids at home....

simonrudd

debtCollector wrote:

Thanks Simon.......

One of my creditors is cahoot, did they not accept £1 token?

Cahoot havent so far - but i have faith!

btw - thanks everyone - i'm going to sit down tonight and digest this info

debtCollector_3

simonrudd wrote:

Cahoot havent so far - but i have faith!

btw - thanks everyone - i'm going to sit down tonight and digest this info

When did you write to them?

I've just sent them an email....

moozie_2

simonrudd wrote:

the reason i havent included the money i have earned through my work as it went on personal and business debts that i havent included here.

can anyone give me alink to the old style board??

Old style is here: http://forums.moneysavingexpert.com/forumdisplay.html?f=33

simonrudd

debtCollector wrote:

When did you write to them?

I've just sent them an email....

well i wrote to them all at the end of last year. even if they wont take £1 you may be able to offer them something waaaaaaaaaay below what your paying now - or if you can afford it try a full and final payement

debtCollector_3

simonrudd wrote:

well i wrote to them all at the end of last year. even if they wont take £1 you may be able to offer them something waaaaaaaaaay below what your paying now - or if you can afford it try a full and final payement

that's a long time! Have they froze interest on account?

This is the first month I have missed a payment to cahoot, monthly payment is £220... total debt to cahoot £11000, so can't pay that off!!

How long did it take Barclay to agree to £1, I've an account with them too