please help me

chani1

hey you guys, hope you can help i have been a member of this fab site a while and i feel slightly guilty but only had my light bulb moment yesterday...:o ...i want to have a blast at an soa to see if and where i can save money i don't find my self struggling too much but want to clear my debt's and have a healthy bank balance so here goes....:D

my basic monthly = £1300 (plus bonus can range from £50-£1500 but no guarenteed)
partners monthly= £2800 (can vary as self employed but this is the case most months)

TOTAL = £4100

MORTGAGE = £704
C/TAX = £148
GAS = £40
ELEC = £41
WATER = £20
TV LICENCE = £11
SKY TV = £42.50
BT = £49.50 (Includes phone an bb-i do feel im been ripped off a bit)
CAR INS = £60 (FOR BOTH OF US)
INSURANCES = £70 (includes mort life cover and crit ill and buildings and contents)
DOGS TRUST = £9.50
CIGGIES £160..:eek: (i'm working on this already cut down from 40 to 20 aiming for ten next month and then hopefully quit...so so hard)
FOOD = £240
ISA = £150 (only started 2 mnths ago)
DIESEL = £60
TRAIN FARES = £80
LIZARD FOOD = £72
TOTAL = £1957.50

HSBC GOLD CARD £4.5K limit £850 o/s 15.9% ? =£100 pm
black horse secured consol loan £12.5k - 11.9k 14%..:eek: £290 60mnths
black horse car finance £11.5k-11k 20%..:eek: (i no youre all cringin right now) £299 60mnths
EVERSHEDS =£150pm o/s £2.5k ???? (this is a card boyf got in to difficulty with ages ago we dont even no what the right bal as we receive no communication from them????
TOTAL=839

total debt= £26252...:eek: :eek: :eek: ...THIS REALLY SCARES ME

TOTAL INC = £4100
TOTAL EXPEND =£2796.50
DISP= 1303.50

i think this looks all a bit messed up but i hope someone can make sense of it..please .....:p

lynzpower

hello there :wave: are you ok? How can we help

medman

chani1 wrote: »

hey you guys,

Hey Chani1 you're among friends here, what's the issue? Somebody is bound to have heard of it before and be able to offer sage advice, don't be shy! people here don't judge you they just try and help.;)

Little_Miss_Winner

Hi chani, welcome to mse, is everything ok???

postingalwaysposting

welcome chani, nice to see you, please keep posting, we are all friendly and happy to help

smashedbooboo

Hello chani, When you come back on line if you prefer to send a pm to one of us then please do so. We are here to listen and help if you need it hun. Please dont feel alone. Please let us know your ok. xxxxxxxxxxx And a big hug if you need it. I am on a bit of a downer myself. But we all support each other.

needawayout_2

hello there...hope you are okay? :hello:

southernscouser

chani1 wrote: »

hey you guys,

Did someone call?

smashedbooboo

SS. Silly Sod xxxxxxxxxxxxxxx

chani1

wow thanks for all the support already i tried fixing an soa together it took me ages and is quite horrifying(worse than sloth) its on here somewhere...please be gentle i'm only young.

Little_Miss_Winner

Thats fine chani, wer'e not going anywhere, theres always someone on hand to help you.