My S.O.A

braddy970

Hi Pont, we was claiming hb and ctb while my partner was out of work but once he went back to work he was on his normal wage and then for a few weeks there was over time and we ended up with an over payment which I've just informed them of and paid back, we havn't received anything since last June. We get £64.81 ctc per week x and the £33.70 cb x

braddy970

I may look back into hb and ctb x

Pont

braddy970 wrote: »

I may look back into hb and ctb x

Do look into it and good luck.

You seem to have taken a sensible approach to your finances and have taken on board the advice given here. Put your stats through turn2us (I entered your details from your SOA) and see if there is any help out there.

I've every sympathy with young families such as yours - times are tough.

I've every admiration for young families such as yours facing facts and trying to do their best in tough times.

braddy970

Thank you Pont x my partner has been working since he was 15 and I was working for 3 years from 18, just hard work trying to find work in the same business as before.

19lottie82

braddy970 wrote: »

With the mobile phones, my partners has run it's contract and can be cancelled at anytime so I will get him to ring up tomorrow and cancel it and then he can go onto a sim only plan for £10 a month, we use our mobiles alot for texts and calls. Mine isn't up for another 6 months yet.

I am on a 30 day rolling contract w virgin. 1200 mins, 1gb data and unlimited texts for £12 a month

braddy970

He's just rung up, kept the same number but gone onto monthly for only £10.50 - 200 mins unlimited texts and 100mb of internet incase it goes on in his pocket. Mine has another 6 months to run I've just checked

19lottie82

braddy970 wrote: »

He's just rung up, kept the same number but gone onto monthly for only £10.50 - 200 mins unlimited texts and 100mb of internet incase it goes on in his pocket. Mine has another 6 months to run I've just checked

Does your OH have a smart phone? If so, 100mb isn't likely to be enough, even if you claim he doesn't use the internet on it. Smartphones tend to have apps that refresh automatically and use data.

Also you said you use your phones a lot..... is 200 minutes a lot? If he goes over it could end up costing a lot more than £10.50.....

braddy970

I have 600 minutes per month so I'm going to ring him, he has a acer smartphone but it's broken badly so he's getting a cheap basic one as his speaker is broken x

braddy970

I have gone with advise and am going to pay monthly for the car insurance and use the remaining money for emergency fund and also to pay down other debts ... possibly wonga then I have an extra £96.31 per month ??

braddy970

Out of my £7354.26 debt this is how it is broken down...
TOTAL : £155.00 COUNCIL TAX.. ~~~~ PAID OFF
MUM ARGOS : £150.00 ~~~ PAID OFF
HALIFAX : £900.00
ARGOS : £850.00
WONGA : £1059.86
PEACHY : £233.60 - pay on 13th
MINI CREDIT : £442.80 ~~~~ PAID OFF
MINI CREDIT : £130.00 ~~~~ PAID OFF
TXT LOAN : £233.00 ~~~~~ PAID OFF
credit card £3200.00

Now.....
HALIFAX : £899.99
ARGOS : £799.99
WONGA : £578.10
PEACHY : £233.60 - pay on 13th
credit card £1700.00
= £4211.68

£3142.58 / £7354.26