OK here goes

rotti163

Right, after a good chat with a very nice cccs adviser this morning, Ive decided to go down the DMP route. We talked on the phone about my REAL out goings, everything I need to live on, its the best option. To be honest I'm poo'ing my pants about this, so I'm hoping I'm doing the right thing. Wish me luck!

Skinted_stodge

im sure you are Rotti, everyone says how much of a relief it is! let us know how you get on and im sure everyone on here will still find ways for you save more money! x

Teacher2301

Don't worry there is always light at the end of the tunnel - just a few things in red below that might help...

rotti163 wrote: »

After dipping in and out of here for a while, I decided to post my SOA:
OUT GOINGS:
Board: £250 (had to move back in with parents)
All loans are unsecured.
Lloydstsb loan: Bal:8540 Term:32 APR:12.9% = £317
A&L loan: Bal:592 Term 8 APR:5.7% = 74
Northern rock loan: Bal: 3500 Term:26 APR:8.9% = 148
A&L C/card: Bal: 6500 APR 12.5% = 151
Diesel: £60 - try to keep below 30,000 revs - it does work - I can get 540 miles out of nearly £55 worth of diesel - for a 1.9l car.
Car insurance: £30
Mobile, contract: £35 - can this be ditched in favour of PAYG? May save about £20 p/m.
Broadband: £14 - tiscali can do it cheaper, talk talk as well - who is your ISP? If you're at home - do you parents use the internet aswell - ask them to share costs (a bit mercenary I know!)
Road tax: £17 - what about maintainance etc - diesels are reliable but still need MOT etc
Food,toiletries etc: £40


INCOME: £1200

HELP!!!!!!!!!!!!!!

I think thats everything. I'm sick of fighting tbh, I need to see some light at the end of the tunnel and live some sort of life. Any ideas welcome.

rayday2

rotti163 wrote: »

Right, after a good chat with a very nice cccs adviser this morning, Ive decided to go down the DMP route. We talked on the phone about my REAL out goings, everything I need to live on, its the best option. To be honest I'm poo'ing my pants about this, so I'm hoping I'm doing the right thing. Wish me luck!

If you want some support through this join is in the DMP support thread lots there are with CCCS.

madmoney_2

good luck rotti, i wish you well xxx