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Hopefully debt free one day
gg2011
Posts: 41 Forumite
help needed! I would love to say i'm debt free but after a few wrong decisions its left me down and out!
This is my situation;
Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Income from Employment (after tax). . . .. . . . . . . . . 1,463.00
Income from Self Employment (before tax). . . . .. . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . .. . . . . .. . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . 0.00
Income From Savings & Investments . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . .. . . . . . . . . . . . . . 0.00
Monthly Expense Details
In Your Home
Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Internet. . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . 0.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . 0.00
Garden Maintenance. . . . . . .. . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . .. . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . 0.00
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . .0.00
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Overdraft Cost.(£2995) . . . . . . . . . . . . . . . . . . . . . . 50.00
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . 45.00
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . 130.00
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . .. . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . .0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . .0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Food and Household Shopping . . . . . . . . . . . . . . . . 100.00
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Motoring & Public Transport
Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . 150.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.50
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 78.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Rail/Bus/Taxi . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . 0.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Debt Repayments
LloydsTSB Credit Card.(£1800) . . . . . . . . . . . . . . . . 150.00
(wonga).(£1000) . . . . . . . . . . . . . . . . . . . . . .. . . . . 97.00
(PayDay Express).(£600) . . . . . . . . . . . . . . . . . . . . . 50.00
Vanquish (£900). . . . . . . . ... . . . . . . . . .. . . . . . . .. 133.00
Loan Payments (£8412). . . . . . . . . . . . . . . . . . . . . . 242.00
Entertainment
Satellite/Digital TV. . . . . . . . . . . . . . . . .. . . . . . . . . . 0.00
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . 0.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . 50.00
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Clothes, Health & Beauty
Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . 0.00
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dental Insurance. . . . . . . . . . . . . .. . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . 25.00
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Children's Clothes.. . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00 -
Odds & Sods
Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . 0.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . .. . . . . . . . 10.00
Total monthly income. . . . . . . . . . . . . . . . . . . . . . 1,463.00
Total monthly expenses. . . . . . . . . . . . . . . . . . . . . 1,483.50
Bad i know but thats it!
My main concern is the Wonga, vanquish and payday express...oh my credit rating is shot! Poor:(
This is my situation;
Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Income from Employment (after tax). . . .. . . . . . . . . 1,463.00
Income from Self Employment (before tax). . . . .. . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . .. . . . . .. . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . 0.00
Income From Savings & Investments . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . .. . . . . . . . . . . . . . 0.00
Monthly Expense Details
In Your Home
Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Internet. . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . 0.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . 0.00
Garden Maintenance. . . . . . .. . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . .. . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . 0.00
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . .0.00
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Overdraft Cost.(£2995) . . . . . . . . . . . . . . . . . . . . . . 50.00
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . 45.00
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . 130.00
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . .. . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . .0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . .0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Food and Household Shopping . . . . . . . . . . . . . . . . 100.00
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Motoring & Public Transport
Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . 150.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.50
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 78.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Rail/Bus/Taxi . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . 0.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Debt Repayments
LloydsTSB Credit Card.(£1800) . . . . . . . . . . . . . . . . 150.00
(wonga).(£1000) . . . . . . . . . . . . . . . . . . . . . .. . . . . 97.00
(PayDay Express).(£600) . . . . . . . . . . . . . . . . . . . . . 50.00
Vanquish (£900). . . . . . . . ... . . . . . . . . .. . . . . . . .. 133.00
Loan Payments (£8412). . . . . . . . . . . . . . . . . . . . . . 242.00
Entertainment
Satellite/Digital TV. . . . . . . . . . . . . . . . .. . . . . . . . . . 0.00
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . 0.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . 50.00
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Clothes, Health & Beauty
Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . 0.00
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dental Insurance. . . . . . . . . . . . . .. . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . 25.00
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Children's Clothes.. . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00 -
Odds & Sods
Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . 0.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . .. . . . . . . . 10.00
Total monthly income. . . . . . . . . . . . . . . . . . . . . . 1,463.00
Total monthly expenses. . . . . . . . . . . . . . . . . . . . . 1,483.50
Bad i know but thats it!
My main concern is the Wonga, vanquish and payday express...oh my credit rating is shot! Poor:(
0
Comments
-
Do you live at home with parents? If not, you seem to have missed alot out of this SOAYNWA
Target: Mortgage free by 58.0 -
Sorry currently living at home0
-
help needed! I would love to say i'm debt free but after a few wrong decisions its left me down and out!
This is my situation;
Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Income from Employment (after tax). . . .. . . . . . . . . 1,463.00
Income from Self Employment (before tax). . . . .. . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . .. . . . . .. . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . 0.00
Income From Savings & Investments . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . .. . . . . . . . . . . . . . 0.00
Monthly Expense Details
In Your Home
Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Internet. . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . 0.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . 0.00
Garden Maintenance. . . . . . .. . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . .. . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . 0.00
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . .0.00
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Overdraft Cost.(£2995) . . . . . . . . . . . . . . . . . . . . . . 50.00
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . 45.00 - £45 a month for a bank account :eek: is this correct?
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . 130.00
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . .. . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . .0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . .0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Food and Household Shopping . . . . . . . . . . . . . . . . 100.00 - this is very high considering you live at home, unless you buy all your own food. I live on my own and don't spend anywhere near this a month. Look on the OS board for inspiration.
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Motoring & Public Transport
Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . 150.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.50
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 78.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Rail/Bus/Taxi . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . 0.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Debt Repayments
LloydsTSB Credit Card.(£1800) . . . . . . . . . . . . . . . . 150.00
(wonga).(£1000) . . . . . . . . . . . . . . . . . . . . . .. . . . . 97.00
(PayDay Express).(£600) . . . . . . . . . . . . . . . . . . . . . 50.00
Vanquish (£900). . . . . . . . ... . . . . . . . . .. . . . . . . .. 133.00
Loan Payments (£8412). . . . . . . . . . . . . . . . . . . . . . 242.00
Your payments per month seem high (approx 10%) for these debts, especially the CC? If you are overpaying the CC then just pay the minimum and throw the leftover at the payday loans until they have been paid off then throw it at CC.
Entertainment
Satellite/Digital TV. . . . . . . . . . . . . . . . .. . . . . . . . . . 0.00
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . 0.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . 50.00 - you can cut this out/down
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Clothes, Health & Beauty
Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 - £120 a year on haircuts? I'm assuming you are male (although please accept my apologies if I'm wrong!). I'm female and have my hair cut 3/4 times a year at £20 a go. So this can be cut.
Dentistry . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . 0.00
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dental Insurance. . . . . . . . . . . . . .. . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . 25.00 - can this be reduced/cut?
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Children's Clothes.. . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00 - debts are your priority not new clothes
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00 - do you need to spend £600/year on Xmas?! :eek: especially if you don't have children.
Odds & Sods
Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . 0.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 - take packed lunch
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . .. . . . . . . . 10.00
Total monthly income. . . . . . . . . . . . . . . . . . . . . . 1,463.00
Total monthly expenses. . . . . . . . . . . . . . . . . . . . . 1,483.50
Bad i know but thats it!
My main concern is the Wonga, vanquish and payday express...oh my credit rating is shot! Poor:(
My answers are in red above. Good luck* Rainbow baby boy born 9th August 2016 *
* Slimming World follower (I breastfeed so get 6 hex's!) *
0 -
Thank you for your time!!! Suppose I could Defo reduce my credit card payments to reduce my payday loans (thanks for that) also I am male lol. The interest on my account (overdraft) is £45 but I'm currently payin off 50 a month.
Once again your feedback to truly appreciated!!!0 -
It looks like you have entered the overdraft cost twice- once as a bank account fee (£45) and once as overdraft (£50). This will bring your outgoings below your incomings.But a banker, engaged at enormous expense,Had the whole of their cash in his care.
Lewis Carroll0
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