Impossible situation-appreciate any help

Upsidedown_Bear

vassa wrote: »

I'm presuming your grocery outgoing is per week?

You need to bin the mobile and the landline, and the TV and TV licence. These are non-essentials and when you're running so far negative month on month you need to get rid of them.

You also shouldn't be spending £20 a month on clothes really, or paying £25 in pet insurance. You're also not in a position to be running a car, so you need to sell that and cut that cost.

Some may think i'm going over the top, but you literally need to cut EVERY unnecessary expense. You should also be applying for council tax benefits and may get this backdated. You can apply for housing benefit too.

The major thing you need to get sorted is your debt - write to them all and only pay what you can afford (which is nothing at the moment).

This thread is from September 2012 :cool:

Shovel_Lad

vassa wrote: »

You need to bin the mobile and the landline, and the TV and TV licence. These are non-essentials and when you're running so far negative month on month you need to get rid of them.

You also shouldn't be spending £20 a month on clothes really, or paying £25 in pet insurance. You're also not in a position to be running a car, so you need to sell that and cut that cost.

Some may think i'm going over the top, but you literally need to cut EVERY unnecessary expense. You should also be applying for council tax benefits and may get this backdated. You can apply for housing benefit too.

The major thing you need to get sorted is your debt - write to them all and only pay what you can afford (which is nothing at the moment).

vassa

Yeh but the OP is back asking for more advice, so i thought i'd have a read of their SOA. Thought it was Sept 2013 but ah well.