Newbie - In a bit of a mess !

bigadaj

The only anomaly in your Statement above is the microwave meals, these are relatively expensive for what you get, fair play on everything else.

maninthestreet

You still olny have £390 per month to live on, which is less than £100 per week. Do you have rent to pay? How about electricity bills and car insurance? I'm not being nosey, just having difficulty working out how you make ends meet.

Thrugelmir

davemal wrote: »

For those interested...
I am taking home £650 a month net,
of that, £120 is the business car loan,
£60 is the business visa
and £80 is the personal visa.

I don't have the heating on in the house, don't have a TV, have a water meter, and live by myself, on microwave meals, don't go out...fix my own car, use a pushbike (and an electric one) where possible, get clothes from charity shops , or ebay. Do repairs to most things myself.
.....so it's quite easy really.

If you were to own a property a considerable amount of outgoings unaccounted for.

davemal

Thanks to everyone who replied with helpful advice

I may also look at Credit Unions, if I get stuck...

Cheers
Dave
ps I did reply with a longer post, but it must've gone awol in the ether!
pps my car ins is £35 a month , on a R reg 106, 1.5 diesel which does 65mpg+ ! at 60mph

Dave_Ham

Now, please leave the guy alone about his spending habits/commitments and life in general.

Dave - as I said from the start that this is achievable, subject to presenting it to an appropriate lender.

Good luck

Thrugelmir

Dave_Ham wrote: »

Now, please leave the guy alone about his spending habits/commitments and life in general.

No one is criticising the guy. However there seems to be a lack of common sense prevailing. As to put it bluntly financially it doesn't add up. No point in building hopes up only to be shredded apart later.