We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
We're aware that dates on the Forum are not currently showing correctly. Please bear with us while we get this fixed, and see Site feedback for updates.
Advice on going forward?

RMWB
Posts: 2 Newbie
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.
£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.
0
Comments
-
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
DC0 -
Hi, sorry was looking for a review of my current situation and or advice on clearing the Lloyds loan as well.
Guidance mostly0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 348.4K Banking & Borrowing
- 252.1K Reduce Debt & Boost Income
- 452.4K Spending & Discounts
- 241K Work, Benefits & Business
- 617.4K Mortgages, Homes & Bills
- 175.7K Life & Family
- 254.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 15.1K Coronavirus Support Boards