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today is a new start
fairmorn308
Posts: 1,530 Forumite
well i have transfered my bonus i got to another bank account and then cut up the bank card for the account it went to.
Also i have setup a standing order for roughly the amount a mortgage would set me back if i was to take one up just to see if i can live on the remaining amount. once again money transfered to this other account.
I have also wrote a letter to close all bank accounts with BOS that am not currently using.
I want to start to improve my credit rating but not sure how to go about it. I just had a CCJ and default removed lately and only have a CCJ left which is removed in 12 months time.
Also before the weekend and going to ebay all stuff i no longer need aswell.
Also i have setup a standing order for roughly the amount a mortgage would set me back if i was to take one up just to see if i can live on the remaining amount. once again money transfered to this other account.
I have also wrote a letter to close all bank accounts with BOS that am not currently using.
I want to start to improve my credit rating but not sure how to go about it. I just had a CCJ and default removed lately and only have a CCJ left which is removed in 12 months time.
Also before the weekend and going to ebay all stuff i no longer need aswell.
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Comments
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Why don't you post up your statement of affairs and see if people can help you cut back further?DFW Nerd no. 496 - Proud to be dealing with my debts!!0
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i will be honest i dont to cut any further back tho cause i take home £2k a month and my outgoings at the moment is very little thats why i decided to transfer a large amount which would kinda b like a mortgage payment and see how i get on from there cause at the moment i know there is money in my account and i wont run out by the time i get paid again cause i work 2 weeks away and then i get 2 weeks off i work offshore so really only home for 2 weeks out of a month.
like i said i learned alot from my mistakes and just want to head in correct direction this time.
income £2,000
extra income £300-400
rent £200
insurance £35
BT £40
internet server access £20
contact lenses £15
snap on tools £200
phone top up £10-£20
blank media discs £30-40
The snap on tools will end very soon once its paid off.
I have setup a standing order for £1000 a month to go into another bank account which i can withdrawl money from.0 -
You also need to include food/council tax/elec bills/gas/tv licence/mot/car insurance etc to give a truer picture of your finances.Making my money go further with MSE :j
How much can I save in 2012 challenge
75/1200 :eek:0 -
ok food lets say £75
the rest you listed i dont pay - i live with parents thats why i said about moving my money to see what it is like0
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