Snaggles wrote: »
Oh PAP, it's going to be a tight month, but if anyone can do it, it's you. Do you have to pay for food etc or does your Mum pay for that? Can you save less for your holiday, or have a couple less driving lessons this month (have one a fortnight instead of one a week or something), or miss your Xmas savings this month and save double next month (or whenever you can afford it)?
Might be a silly question but can your Mum help at all? I know you have helped her out on numerous occasions.
All the best xxx
postingalwaysposting wrote: »
Sorry its so long ~ have to get it all of my chest............
£65.46 ~ spending acc
£556.28 ~ bills account (bills listed below)
£150.00 ~ isa (savings for holiday on the 16/4/07)
£198.70 ~ car savings
£54.15 ~ xmas savings
£75.00 ~ approx in my paypal account
here is all my bills comes from the bill account ~ explaniation here
£100.00 ~ dca for mum ~ dont give her house keeping
£50.00 ~ excess of house keeping for mum ~ keep for bt bill below as she ran up a debt
£70.00 ~ bt internet and debt (see above) not tied but havnt had time to swap
£48.00 ~ bus cards
£11.00 ~ house insurance
£3.28 ~ bike insurance (tied till sep)
£10.00 ~ car savings (min regular saver cant lower)
£18.00 ~ xmas savings (need this so it will give me £210.00 for xmas)
£6.00 ~ deno ~ charity
now i also have ~
£120.00 ~ driving ~ i need to keep this up really as i have already spent £1600.00 on lessons
£170.00 ~ college ~ i could prob pay this in june but i really want to be accepted on the course (this is a one off)
then i have ~
£9.72 ~ mag subscription (every 3 months, i am sure its due this month, if it is it will come from the over draft)
total = £606.28 - £50.00 (see above) = £556.28
can anyone offer advice? my debt is £446.39 @ 0% for 5 months, i will need to pay the min this month (if this is how a 0% works (never done this before)) which will leave me prob £40 at a push, i can do it just but i now like going swimming so thats £3.10 per week maybe £6.20 depends how many times i go so that will eat up some of that money... my brother is owed me £35 but someone (me) when her tax return came back said she would pay for his driving lincense, so now i cant count that money :doh:
i feel like going out and splashing my £65.46 :rotfl:
CAFCGirl wrote: »
Right hun, I told you I'd be swanning on over and here I am!
Lets see what we can do here! ~ thanks hun, it is confussing please bear with me...
I have a small confession to being slightly confused with how its set out there...
Is your total debt £446.39? yep thats my total debt ~ not much but in was debt free only 3 months ago :mad:
R.E driving instructor.... I'm not sure why he wouldnt do lessons for one hour? I always thought that was the standard lesson time? Is it possible to push his hand, and say you want to keep going with them but due to cash flow situation you can only afford x per week. And he can either teach you for an hour and have x amount, or he can say no and get no money off you and you find another tutor, cheaper perhaps? i think i will ask him, the prob is he is the first instructor out of 5 to keep me
Could you also explain to me the £100 housekeeping and £50 excess to your Mum? I was pretty much lost on that one. this is teh confusing part ~ i pay my mum £30 house keeping every friday (from the 15th) but because of where the 15th falls this month i have to give her £150.00. Nows mums in debt and she never payed her debt off so now i pay it from my account £100.00. The remainder i take £11 out for the bt line rental (i have to pay the whole bill from my account because i have the internet) then i would save the rest for her for xmas, but since she ran up a debt with bt i now keep it all and then we sort it when the bill comes
Give yourself some breathing room! And dont for one minute think you dont deserve help/support/a few random giggles from people here. We're all here for you and will help any way we can. Go on, give yourself a big fat hug from us :grouphug: aww thanks :A
£11 house insurance, how come you're paying this? I am paying this beacuse my mum cant afford to! and the house want insured thus my items werent insured and if we were to get robbed/in a fire there would be no way i can replace the stuff that mean lots to me (my pc ) :rotfl:
Money in your paypal account, immediately pay this off something! It's not really doing you any favours being in your paypal account surely! I am hoping to transfer this out soon waiting for one more payment then i will transfer it out
How much is the debt outstanding to BT? no idea ads i havent had my quarterly, but itr was up to £200 last quarter, i trusted my mum not to use the phone and this is what happens :mad:
Explain to your brother that you cant afford to pay for his license and that you need the money that is owed to you. tryed but it wont rub, sadly he has only a p/t job so no money coming in so how he can afford driving lessons i dont know :mad:
Whats the minimum repayment on your debt? its 0% so i dont know never had a 0% before
Sorry for all the questions, but I'm a little bit lost with some of the figures. Please forgive my stupidity!
And dont worry yourself, we'll get you through the worries and you'll see its never as bad as it seems once we've put it through the wash!:A
Check to see if you're due a payout
Trying to change a loved one's habits
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