Freaking out about debts

[Deleted User]

What about items you didn't get from work?

BlueMonbee

Bedsit_Bob wrote: »

What about items you didn't get from work?

We are not allowed to use either to sell anything at all.

BlueMonbee

friend of mine has offered to drive me up to the cheaper supermarkets when I need to go so that is a bonus

BlueMonbee

solooking at the attachment of earnings thing for the council tax its 12% of my earnings which would be 150ish pm from my wages. I'm unsure if I sould agree to this or try to pay the £240 which they want.

which would be the best way to go? I would struggle with the £240 but that would pay it off by the new tax year

BlueMonbee

so spoke to VM I can't get freview threatened to leave and they reduced my bill to £33 (have 14days to change my mind) new contract lasts 12months but the discount is for 18. It was 28 for the broadband alone.

Had a look at my budget again.

I will call the council again today. and set up the agrement they want
Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1200
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1200

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 525
Management charge (leasehold property).. 0
Council tax............................. 240
Electricity............................. 20
Gas..................................... 15
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 0
Mobile phone............................ 18
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 33
Groceries etc. ......................... 130
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 85
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1128


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
sc.............................2000......20........0
Total unsecured debts..........2000......20........-


Monthly Budget Summary
Total monthly income.................... 1,200
Expenses (including HP & secured debts). 1,128
Available for debt repayments........... 72
Monthly UNsecured debt repayments....... 20
Amount left after debt repayments....... 52

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -2,000
Net Assets.............................. -2,000

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.