SOA advice please

lindsaygalaxy

Hi

Please please please help me to cut the cost of things.

I intend to go bankrupt soon, but I am waiting for a personal injury claim from a car accident in feb, and dont want to go BR now incase i get a settlement.

here is my SOA: For me and my nearly 3 year old daughter

Income:
Wages: 1204
CB: 78
T/C: 511
HB: 138
Total: £1932

Outgoings:
Rent 775 ( cant get council house as too few points, average rent in area)
CT 72
Insurance 14
Water 30
Gas/Elec 50
Home phone 22
mobile 50
Car Insurance 40
Car Tax 9
Petrol 108 ( a lot of this is for work)
Debt Plan 100
Nursery 267 ( luckily my mum has her 3 days a week for free)
TV licence 11
Internet £5
Housekeeping 303
Emergencies/clothes/haircuts etc £43
Old Electric Bill ( £862 my ex left me with) £33

This Totals 1932

Remaining = 0

I also have sky but pay nothing as a friend works there and had a special offer on for friends.

HELP. If an emergency comes up im in trouble.

sophiesmum_2

Hi
You will probably get more help if you repost on the debtfree wannabee forum. The folks there are experts at advising on soa's.
Sophiesmum:D

pinkshoes

If you're paying £22/month for a phone bill, then why do you need to spend £50/month on a mobile?!?! I pay £10/month for my mobile (125 xnet mins + 100 texts), then make all my other calls free from my landline to other landlines for £20/month.

£303 is also alot for housekeeping. We spend less than £200 and there's 3 of us (including looking after an 18 year old who can eat for england!!). Maybe try planning meals and cooking everything from scratch.