First Time post on here - felt sick and a loser

plumduff-2

I agree, a new and updated SOA on a brand new thread... lets get rid of this one and start again afresh...

all_hours

I wouldn't have mentioned getting rid of the dog if I'd known it was helping your daughters with their condition.

fred - you need to understand that all people have to go on is what you've posted. No one knows the ins and outs of your situation - so sometimes the advice you get might seem a little harsh. Some of us didn't see the original thread so could have less information than others.

To those who are saying he's unwilling to listen - we don't know all the changes he's made since november. Many posters kick against giving up sky initially. Most make the least painful changes first and eventually work out their budget to cut back on the 'wants' that they previously saw as 'needs'.

weymuffred

Will do a updated soa later as a few things have changed, but today we received a summons for the 1800 owed with ge money. what is the best way of dealing with that?

weymuffred

Here is an updated soa, dont be too harsh

Income - Which is made up of the following:

Work pension - 225-59 per month
Income Support - 10-61 per week
child benefit - 17-45 every week
tax credits - 21-74 per week
Carers allowance - 187-80 per month



outgoings -

life cover - 43pm
gas - 66-50
Electric - 97pm
Water - 29 per month
Telephone 20 to 30 per month
internet - 30 pm
sky - 34pm
licence - 11-37pm
clothes - 750 yearly
housekeeping - 680 pm
xmas/birthdays - 500 yearly
animal/vets - 119 per month
loan - 210 per month
Ext warranty - 14 per month

debts

HSBC - 11720-24 (56 pyts left) 7.9%
GE Money - 2030.67
Aktiv - 3500
Inland Revenue 760
HSBC credit card 587

miggy

Thanks Fred.
Just bumping this for you - and could you remind us please how many people this is for? I think you have a fairly full household, don't you?
I hope you're all okay, was wondering about you.

weymuffred

two adults and 4 children.

krisskross

How are you managing to survive when your outgoings are more than twice the incomings? Are you using credit cards?

And please I am not having a pop at you, just totally amazed.

miggy

weymuffred wrote:

Will do a updated soa later as a few things have changed, but today we received a summons for the 1800 owed with ge money. what is the best way of dealing with that?

This is outside my experience but I would guess the important thing is to tell them the situation and offer a token payment.

miggy

weymuffred wrote:

internet - 30 pm

Mmm, I'm sure there are cheaper than this - Virgin for instance @ about £12.

weymuffred

krisskross wrote:

How are you managing to survive when your outgoings are more than twice the incomings? Are you using credit cards?

And please I am not having a pop at you, just totally amazed.

We have cut down a lot from my first post and wanted to cut the gas/elec as that is way too high but to leave them would mean paying out a lump sum so cannot afford to do that. Really cannot understand why they are both so high to be honest. we have cut right down on shopping as well and my wife is buying lots of pasta, etc and freezing stuff to be used again and again.
We spent £61 on saturday and that is lasting us so far for the week so as yuo see quite a drop in spending. We have also cut down the sky package.