LBM!!!!!!!!................ Finally

sazzal2004

Please delete if this is in the wrong place.

Well i finally had a bit of a 'light-bulb moment' and strangely i am so glad i did!!!
I have worked out i owe around £5000 on things ranging from old mobile phone contracts to catalogues.
So while feeling confident and the like i rang every single debt collection company with a payment plan idea, and thankfully they all agreed
So even though im now paying out around £100 a week i know it wont take long to pay off and i can start afresh next year. And never never ever have a catalogue again!!!!!

dancingfairy

Wow -good luck. Hope it all goes well for you.
Here's to being debt free soon.
df

Hovel_lady

That's great, well done you :T
Here's to being debt free :T

sazzal2004

Thanks guys here's my SOA too......

Household Information
Number of adults in household........... 1
Number of children in household......... 3
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 800(IS,CTC,CB)
Other income............................ 0
Total monthly income.................... 800

Rent.................................... 0 (covered by housing benefit)
Management charge (leasehold property).. 0
Council tax............................. 40 (old debt)
Electricity............................. 30 (on a meter)
Gas..................................... 20 (monthly payments for winter)
Oil..................................... 0
Water rates............................. 20 (straight out of IS and covers debt)
Telephone (land line)................... 75 (incl TV,BB,Phone)
Mobile phone............................ 0
TV Licence.............................. 16 ( on a cash easy entry)
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 60
Clothing................................ 20
Childcare/nursery....................... 0
Other child related expenses............ 30(milk, nappies trips to hosp)
Medical (prescriptions, dentist etc).... 0 N/A
Contents insurance...................... 14(with direct line)
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0(sister is a trained hairdresser)
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 345

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
catalogues.....................2500
mobiles........................600 old contracts
electric...................700


Monthly Budget Summary[/b]
Total monthly income.................... 800
Expenses (including HP & secured debts). 345
Available for debt repayments........... 455
Amount left after debt repayments....... 455