Can I sort it now???

woodfairy

It's a sticky which appears at the top of the dfw board:

Sticky: First Time Posters

There's info about Soa/ budgets etc

gallygirl

http://forums.moneysavingexpert.com/showthread.html?t=107280

Here you go, good luck!!!!

My tuppence worth - cancel the gym, cancel sky, get out & walk!!!!!! 5 miles a day will not only get you fit but help lift the depression (DK why, but it does, trust me....)

webbo1981

ali007 wrote:

http://forums.moneysavingexpert.com/showthread.html?t=107280

Here you go, good luck!!!!

My tuppence worth - cancel the gym, cancel sky, get out & walk!!!!!! 5 miles a day will not only get you fit but help lift the depression (DK why, but it does, trust me....)

Thankyou very much

all_hours

webbo1981 wrote:

unfortunately I am unable to shift any of my debts, e.g lx direct to egg or rbs as the limits on egg and rbs are fully used up.

My egg birthday is now jan, however there is not much I can do about it as I have no where to shift the £900 balance, to enable me to shift it back and get the birthday offer.

Ask them if they'll increase your credit limit.

What are the minimum payments on your cards?

I've worked this out with a 5% minimum payment - some of the cards will have 2% minimum.

Expenses 376.52
Loan + CC 391.6
Total 768.12

This gives you a balance of 281.88

As has been suggested start a spending diary to see where this is going.

webbo1981

I guess I am just using the remainder £280 on social events and clothing etc....stuff I guess I could and should cut out.