Updated SOA - Can anyone help to reduce my outgoings?

andyfromotley

In that case as others have said you need to increase your income, anything, bar work, waiting, pizza delivery just a couple of nights a week will make a huge difference to your available income.

Split any earnings between debt payment and an emergency fund, you also need to save for a new car (new as in a runabout for around 1K!!!) when your current one can be handed back. Although if it is a PCP type deal you can hand it back after you have paid 50% of the total cost including credit and charges etc without penalty. Its called VT (voluntary termination) You may want to look into that, the car companies keep very quiet about it as its good for consumers and bad for them.

rising_from_the_ashes

TBH I[m worried about all the things that are missing before even starting to look for more cuts!

myteeduck wrote: »

Clothing................................ 0
Car Insurance........................... 0
Medical (prescriptions, dentist etc).... 0
Contents insurance...................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Emergency fund.......................... 0

You need to put figures in the above .... otherwise how will you pay for them when they arise?

datlex

Only thing I can see you could reduce is your Cable/Satellite service. You don't give separate figures for Landline and Internet so I assume you have put a bundled service price? What is included in that price? If it includes TV what package are you on?