Soa

poppyjay

hi i have posted my soa i am in the middle of keeping a proper account of things so will be able to post a better one in afew weeks time when i can work out were all moneys going

husbands wages £1005. but problem is he is paid by cheque as a when boss feels likeit so we are setting up payment plans which we cant always pay
child benfit£78
tax credits £287
total income£1370.


out goings
rent £100 as we have been here forever and my husband used to work on their farm
council tax£99.
electrcity £50 on token meter
oil£50 by d d they fill up when it needs it
food shopping £250
phone £92 by bt got behind with payments
tv lin £11
dog food£20
vets bill £43 vets let us pay £10 a week as bill was over £1000.
dogs medicine£40
petrol£120 we live miles from anywhere no buses haveto drive husband to work and child toschool
car tax£10
car insurance£31
car repairs £20
moblie top ups £10

total out goings £946 we should be left with £424 so am keeping account to find where it is going we are only making token payment to most ofdebts but am go ing to sort out real payment plan if anyone has any ideas also all debts are with dca now thank you for looking and advice will be a big help

HairyHandofDartmoor

Hi. Keep a spending diary and then you will know exactly where that left over money is going.

CharliesAngel

ostende mihi pecuniam :rolleyes:

Indeedy... preferably in purple note form!

Good luck on the journey Poppyjay... we'll all be here

hypno06

Are you able to get on to your local education authority to arrange free transport for your child? If you live more than a certain distance from the local school, they have to fund it. My two got taxis to and from school for many years, but it was only when someone else mentioned that I might be entitled that we applied.

Give your LEA a call - they will soon be sorting everything out for the next school year.

poppyjay

hi have tried them she gets a free bus pass but she has to walk up a road when she gets to school she only six and they will not meet her from bus also about a twenty min walk to bus stop on back lanes its ok in summer but it dark by the time bus gets there it scare me walking down there we found a dead body there afew years ago

hypno06

poppyjay wrote: »

hi have tried them she gets a free bus pass but she has to walk up a road when she gets to school she only six and they will not meet her from bus also about a twenty min walk to bus stop on back lanes its ok in summer but it dark by the time bus gets there it scare me walking down there we found a dead body there afew years ago

Try pushing them again for something more practical - no way should they expect a 6 year old to have that sort of a walk - push the dead body issue and see if you can get something better.

Worth a phone call, possibly? The worst they can say is "no".

poppyjay

will give it a try like you say they can only say no

highguyuk

£372 strikes me as alot for car insurance. I'd try and get this cheaper if I were you! Even if your not at the end of your yearly policy, it could work out cheaper to change now rather than later.

Robflh

Hi poppyjay

Can you let me know the following for each of the credit cards?

Current outstanding balance, credit limit, minimum payment and the APR.

And for each loan.
Current outstanding balance, how much was borrowed, payment and the APR.

poppyjay

hi all the credit cards are with dca so there are no apr or minimum payments for them i dont have any of the loan agreements left but they are all with dca to
style card is with moorcroft and is £1800
capital one with moorcroft and is £191 but have asked for statements and they have offered £56 in charges back but is over £160 so have rejected offer waiting to here back
barclay card is with dca owe £415 have asked for statements

RAS

poppyjay wrote: »

husbands wages £1005. but problem is he is paid by cheque as a when boss feels likeit so we are setting up payment plans which we cant always pay

Go to CAb or a solicitor and get advice on this.