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Advice on going forward?

RMWB
RMWB Posts: 2 Newbie
edited 9 September 2014 am30 5:38AM in Debt-free wannabe
Main Bills
£10 - Deezer/Netflix (12th) 10
£60 Petrol (25th) 70
£305 - Rent *All Inclusive (25th) 375
£60 PCM - Shopping (25th) 435

Direct Debits/Standing Orders
£380 - Lloyds loan (27th) 380 [60 months left]
£25 - Trilogy Gym (3rd) 405 [10 months left]
£15 - Cineworld Unlimited (27th) 425 [10 months left]
£10 - Scottish Widows (25th) 430
£50 - 3 Mobile (28th) 480
£100 - Car Insurance 580
Total: £1,015

Loans:
Lloyds Loan
Interest - 20% APR
Borrowed - £14,956 [previous debt consolidation/University]
Total - £22,968

Student Loan
Total: £25,380
£70 Average PCM

Salary
£1,200 - £1,300 - Monthly Income

Future
Looking at prospective mortgages but my current loan is an obvious factor/s.

Comments

  • RMWB wrote: »
    Main Bills
    £10 - Deezer/Netflix (12th) 10
    £60 Petrol (25th) 70
    £305 - Rent *All Inclusive (25th) 375
    £60 PCM - Shopping (25th) 435

    Direct Debits/Standing Orders
    £380 - Lloyds loan (27th) 380 [60 months left]
    £25 - Trilogy Gym (3rd) 405 [10 months left]
    £15 - Cineworld Unlimited (27th) 425 [10 months left]
    £10 - Scottish Widows (25th) 430
    £50 - 3 Mobile (28th) 480
    £100 - Car Insurance 580
    Total: £1,015

    Loans:
    Lloyds Loan
    Interest - 20% APR
    Borrowed - £14,956 [previous debt consolidation/University]
    Total - £22,968

    Student Loan
    Total: £25,380
    £70 Average PCM

    Salary
    £1,200 - £1,300 - Monthly Income

    Future
    Looking at prospective mortgages but my current loan is an obvious factor/s.

    Hi

    Welcome to the forum

    I'm not quite sure what you are asking going on what you have put so far, more information should help

    Could you elaborate further?

    Maybe have at look at the links below

    http://www.stoozing.com/calculator/soa.php

    https://forums.moneysavingexpert.com/discussion/4895819

    Citizens Advice debt advice / remedy / info / online self help DMP resource link below that might give you some pointers

    https://nedcab.cabmoney.org.uk/

    Best Wishes

    DC
  • Hi, sorry was looking for a review of my current situation and or advice on clearing the Lloyds loan as well.

    Guidance mostly :)
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