Soa

Clairee_4

I think this is right

Salary = 1902
Family allowance = 100

Morg - £385 interest only-1 yr left on that.
Loan - £125 father in law - still owe 8000
Insurances - £23
Car insurances - £40
TV Licence - £12
Gas & Elec - £90
Sky, B/Band & Phone - £70
BT - £11
Water X 2 - £40
C.Tax - £120
Loan - £140 only 14 months left
M & S - £10 min payment store card - 300 owing
Littlewoods - £30 min payment catolgue - 400 owing
GE - £10 min payment - new look card - 80 owing
Debenhams - £20 min payment store card - 300 owing
C. Card - £100 min payment - 2000 owing & its capital one
C. Card - £80 minpayment - 2000 owing Alliance and leicester
Food - £300
Kids gym & juitsui - £70
Petrol - £200
Mobile phone - £30
Bank charges - £72 - 5000 overdraft

So as u can see somthings each month dont get paid
ANY IDEAS PLEASE.
Have been offered (in principal) a loan form Barclays at apr 11% for about
£15k to get rid of worse bit??

Prudent

How many people is you food bill for?

Skint_Catt

:hello: Hello

Why are you paying 2 water bills?
And you're paying for phone in one bill but BT in another - is the first one a mobile? Can you cut the cost?

Clairee_4

For 5, including school dinners three times a week for the kids,
At weekends inluding Fri, i have stepson and girlfriend eating
all there meals and snacks until Monday morning and then they take
a bag full back to uni!!
Cant say much as its a huge row between me and other half!!

Clairee_4

one southern water and one pomey water
The phone is sky talk talk and line rental to BT
Mobile phone is mine and i am tyed in for 12 months! CRAPPY

Skint_Catt

Can you cut down on the buying of snacks so there's less for them to take? Arrange to do your weekly shop on a Monday night so that they can take things you've not used anyway.

Clairee_4

Yeah could do but i think hubby would give cash if food not there but will
do shopping Monday next week and reduce snacks in cupboards.
Thanks

mrsspendalot

Does your partner have an income or is that included in the salary figure above?

Clairee_4

Thats his and mine, I only part time at moment, I am trying to pick up over time though looking at the money situation.

Skint_Catt

What are the APR's on the credit cards/store cards?

C xx

raq

please don't get another loan. There are other ways to look at your debt. There will be other people along soon with much more info.

You will get there.