Advice on SOA

njs1999

HappyMJ wrote: »

You must be in a cold house. Fair enough if you want to use that figure then OK. Not really, having a fire helps to heat the house

I agree you don't spend much on clothes but you can't put £0 down as a figure so put at a minimum at least £10 per person per month. Do you wash this uniform? Put the costs of that somewhere. Uniform is washed and would've thought that'd be included with electricity running the machine - powder with groceries.

It's not just food....it's all groceries. Generally £100 per person per month is what most normal people spend on all groceries and moneysavers can get that down to £50 per person per month with a good deal of effort. Buy lots of reduced stuff and put in freezer. Do a hell of a lot of cooking from scratch so have lots of ingredients already in that last for ages - not really one for microwaving and chucking stuff in oven.

Why is family member paying car insurance when you have so much excess income...it's going somewhere. Where?

That's pretty much the long and short of it

rising_from_the_ashes

Actually - if the utilities are 50% then some of them are quite high and you could probably make savings on these eg:

£50 - gas
£50 - elec
£40 - water
£40 - landline
£60 - sky
etc

Still a lot missing .....

HappyMJ

njs1999 wrote: »

That's pretty much the long and short of it

So where is the excess £999 every month going?

Not picking on you but you are asking for advice when a problem does not appear to exist. There must be a problem somewhere and we are just trying to find it.

sistafromanothermista

I'm with FireWyrm on this one :think: seems a little strange....

Grumpygit

But to get to the 999 you are missing any repayments on cards

njs1999

Grumpygit wrote: »

But to get to the 999 you are missing any repayments on cards

Yeah, just realised there are a couple of things, e.g. repayments I've missed out - not very techno savvy but gave it a go!

I think I'm going to get rid of sky and just work hard to clear the debts.

I had a call from some company called 'goformoney', I explained I didn't want them to offer yet another loan, which would effect credit rating, etc.

They offered me a repayment scheme, whereby they'd take over all my debt, which is currently at 0% on credit cards, but a couple are due to lose this offer.

Does this sound kosher, i.e. they'd take over my 0% debt and I just pay them back monthly. I queried this and they said this was the case but it seems to good to be true.

mrsb83_2

It's a scam.

If your SOA is accurate your debts will all be paid off in a few months anyway.

Grumpelstiltskin

njs1999 wrote: »

Yeah, just realised there are a couple of things, e.g. repayments I've missed out - not very techno savvy but gave it a go!

I think I'm going to get rid of sky and just work hard to clear the debts.

I had a call from some company called 'goformoney', I explained I didn't want them to offer yet another loan, which would effect credit rating, etc.

They offered me a repayment scheme, whereby they'd take over all my debt, which is currently at 0% on credit cards, but a couple are due to lose this offer.

Does this sound kosher, i.e. they'd take over my 0% debt and I just pay them back monthly. I queried this and they said this was the case but it seems to good to be true.

Do not touch them with a 100ft bargepole, it's as simple as that.

wanna-be-mortgage-free_2

:rotfl::rotfl::rotfl::rotfl:

Love it

njs1999

wanna-be-mortgage-free wrote: »

:rotfl::rotfl::rotfl::rotfl:

Love it

Love what?? Care to elaborate?!