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Hello and welcome! :j
Your SOA is missing a few vital details.
Could you hunt out your APR's and update as it might be possible to 'move' debt around and get a cheaper rate.
You say your OH gives you £140. Does he help with food/rent/etc?
You also have missed out birthdays/xmas/etc, its good to plan for these kinds of things to crop up, otherwise you rob peter to pay paul (speaking from experience)
HTH Sugar"The journey of 1000 miles commenced with a single step"0 -
Oops can't be making that kind of typing errors here lol :L Yeah I actually had about five more store cards which I've since paid off since the start of the year
and yes the ones I have are cut up!
I kind of deal with all the bills etc. so thats what we worked out was half of the direct debits. But we go halves for shopping and he has his own rent to pay for0 -
the £140 is a payment to my parents for the car as they took out the finance for me0
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A couple of other things - have you stopped spending? Also, have you addressed your reasons for spending? Sometimes we spend to make ourselves feel better or to keep up appearances, and without addressing why we are overspending, we are not likely to succeed completely in cutting it back.
Also, your income is not great - is there any scope to increase this, either in your current line of work or by taking an extra part time job? A shift or two in a bar each week for example can generate a couple of hundred quid a month, which would be a significant amount to put towards those store cards, and could see some of them gone quite quickly.
Check out mystery shopping too, not mega bucks, but easy to fit in around other commitments.Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
princess84 wrote: »the £140 is a payment to my parents for the car as they took out the finance for me
How long does that have left to run. It will obviously make a big difference once that is gone. Do you really need the car? If you can manage without, it might be worth considering?Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
hypno06 - good points!!0
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hueygeorge wrote: »hypno06 - good points!!
Why thank you.Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Welcome! Credit where credit is due!0
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hueygeorge wrote: »Welcome! Credit where credit is due!
No!! No more credit, please. Can't you see from my signature that I have enough :rotfl:Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Lol! I like that!0
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