some advice please

hooters

elly2 wrote: »

Hooters thank you for your offer(sorry i dont know how to use quote yet i;m not very techie)the washer only leaks on its final spin if that helps.

my plumbers couldn't really say much more from the info apart from a possible seal nicked or cracked, and when the spin cycle - the fastest and most furious part of the cycle at the end, just forces water through. sorry couldn't help further, any more details?

elly2

thanks hooters but the washer is now finished it wont spin anymore my fab dad has bought me a new one....................but earliest delivery date is wed so am having washing done at my cousins so i get a few days off from doing it.

LLM

Elly, I would definately recommend the snowballing site.

Once you see how soon you can be debt free and the amounts reducing it can be quite reassuring.

Good luck

RAS

elly2 wrote: »

income monthly £980 estimate

outgoings
rent £28
gas £40
elect £40
t.v licence £11
sky £15
phone/b.b £25
pocket money £50- this is still massive
loterry £8 - cancel this
dog food £11
cigs £50 (dont slate me this uses a huge amount of the budget and i really need to stop, )
Where is food, clothes etc?

Living costs total

loans (both mine)
hsbc £80.00 16.9 apr 14 months to go
lloyds £110 (8 months to go)
DEBTS

c/c s

hsbc £55 (mimimun payment but trying to pay £100) £2000(maxed) balance £1835.47 limit £2000 apr 13.9
capital one £60 same situ as above... nope it isn't balance£1028.10,limit 1200,apr is 35.6 - pay this off with any extra money that you have

provident £ 80 (784 owed) - pay this off as well

catologues
studio £10 (130 0wed)
littlewoods £5 (40 owed)

debt recovery agencys
£40 (for argos and abound) dont know if a balance is needed on these(been in touch with 1 debt recover agency today and the balance on the abound stands at £1129.10 no more interest to be added and they will accept the £20 per month)

Elly

You need to revise your SOA to include your actual expenditure including basics like food.

Also list up the APrs for everything that you have not put up previously.