problems with debt, keeping car running and being pregnant please help advice please

delta4

Well I owe money second time due to my sillyness with buying my ex stuff and now I am the one left with no money. I work as cabin crew but I am pregnant I only get 572 per month 184 goes to Credit union for loan I have left to pay 2900 743 in savings probably be 780 next week when we get paid. I have a car on finance and pay 151 pm have left probably 1800 on that and I pay 135 a month insurance.

I am due 95 tax disc next week, MOT and car needs new tyres and new brakes and other bits estimated cost is 550. I get paid 572 and have to pay 239 insurance or I break my agreement. I am thinking of asking my cousin to lend me 800 o pay car and tax disc and have some money for petrol. Or do I take car of the road and just have 120 to pay for bus for the month to heathrow where I work on the ground. I have to get a bus, train, another bus without a car just to get to work. I am so arghh just wondering what do to my cousin might not that the money.

I intend on getting a part time job too to pay back. What would you guys do?

Take care off road, or borrow more money. baby is due in Feb and even though I am now on my own I am happy and I am excited apart from the finance.

Also, another ex from many years ago wa in touch and he owns his own house etc. I even had a tought just to meet him but remembered why we split and was a silly moment.

I owe in total probably 11k. I am getting help for that. Just worried about the car and how to get by the next month. Any money expert advice?

lemoncheesecake

why can't you use the money you have in savings for the car stuff?

Your car insurance is astronomical - can you downgrade the car? You just aren't going to be able to meet your outgoings with what's coming in and looks like u can't afford to run a car even if you find money to get all the bits fixed.Is there anyone at work you can get a life with and pay half the petrol? have a look at liftshare schemes as well. may be cheaper than the bus.

Good luck with the pg - glad you're happy about that. You should do a SOA - its much easier to see where u stand and people will be able to advise better.

RAS

Hi

Do a proper SOA and people will be better able to help you with your situation.

delta4

lemoncheesecake wrote: »

why can't you use the money you have in savings for the car stuff?

Your car insurance is astronomical - can you downgrade the car? You just aren't going to be able to meet your outgoings with what's coming in and looks like u can't afford to run a car even if you find money to get all the bits fixed.Is there anyone at work you can get a life with and pay half the petrol? have a look at liftshare schemes as well. may be cheaper than the bus.

Good luck with the pg - glad you're happy about that. You should do a SOA - its much easier to see where u stand and people will be able to advise better.

Thank you for response. I can't use savings because it is alongside loan with credit union at work and I cannot touch it until I cleared the loan, it stands at 2900.


1

delta4

Please what is a SOA? Sorry.

RAS

Here http://www.stoozing.com/msoc/soacalc.php

Allows you to work out your budget.

Format for MSE and remove the link at the bottom if you have trouble posting it up.

honey10

Its statement of affairs, i'm sure some nice person will post a link to one soon. (someone already did lol)

It basically breaks down everything that comes in, and everything that goes out, including all debts