Soa

debitnotcredit

Have moved SOA to a reply to the original post, Thanks mildredalien.

mildredalien

Heya, you have posted this in a new thread, you may want to repost it as a 'reply' to the original thread you started

That being said, if I remember correctly from the previous - you were worried that credit card debt etc was creeping back up and you had to clear it recently? It looks like you are in surplus each month after your loan repayments, even though your monthly outgoings are fairly high. Makes me wonder why you were using credit cards? Maybe it's worth keeping a spending diary and pinning down where that extra £500/month is going! From a cursory glance you have nothing in haircuts or presents - you'll need to put something there.