Can I Fix This?

spud30

I think your sister is probably right. That's nearly £1000 to pay off your debts. That added to the car money should be able to do a few full and finals.

Do your folks live far away from you then hun?

ciarasdreams

Yes they are about 300 miles away.

spud30

ciarasdreams wrote: »

Yes they are about 300 miles away.

Wow - they wont exactly pop in for a brew then will they :rolleyes: I assume your sister is closer?

I'm gonna try Ebay one of these days. Will have to have a read me thinks.

ciarasdreams

My sister is closer at a mere 150 miles away she moves about a lot because of my brother in law's work but she always visits and keeps in touch even when they are abroad.

I have caught the whole ebay bug thing and would strongly recommend tring it!

ciarasdreams

I have just got to see the results of the highlights that my sister did for me this morning and I am now thinking that I must have been crazy to ever pay a salon to do the same thing. I have no idea where she learned to do it but she has promised to mine from now on so that I can save that money as well. We are now getting ready to go to her second Birthday party of the week and I forgot that in her world a night out starts at lunchtime and I am getting worried that I will actually survive the event because I forgot just how much of a mad patying demon she is when she gets started! :eek:

If I actually live through this I promise to write up a revised and more detailed and more acurate SOA when I get home tomorrow.

spud30

Tell your sister, my hair could do with some attention

ciarasdreams

I have looked at the SOA that I posted a week ago and have made some revisions after listening to all the good advice that has been given to me. I know that there is further room for improvement and I will work on that because I am determined to pay off all these debts and get myself the kind of life that my sister has by the time I get to her age too.


Monthly Income

My salary - £1,327.00 My salary - main job - £1,327.00
second job - £300.00 (variable)
Total - £1627.00



Monthly Outgoings Monthly outgoings

Rent - £450.00 Rent - £450.00
Council Tax - £93.00 Council Tax - £70.00
Gas - £35.00 Gas/Electric - £41.00 I am now on adual Electric - £20.00 fuel tariff from Scottish Power
TV License - £11.00 TV License - £11.00
Phone - £15.00 Phone - £15.00
Mobile/Broadband - £35.00 Mobile/Broadband - £35.00
Food - £200 Food - £120.00 (based on this week)
Car Insurance - £52.00 Car Insurance - now zero
Petrol - £100.00 Petrol - unsure but a lot less
Union Fees - £16.00 Union Fees - £16.00
Registration Fees - £6.00 Registration Fees - £6.00
Work Clothes/Shoes - £10.00 Work Clothes/Shoes - £10.00
Road Tax/MOT - £20.00 Road Tax/MOT - now zero
Water - £20.00

Total: £1,063.00 Total: £ 793.00


Debts

A&L Loan 1 - £17,871.42 0% APR currently with Buchannan Clark and Wells
A&L Loan 2 - £6,912.37 0% APR currently with Capquest
A&L overdraft - £1,007.01 0% APR currently with Legal & Trade
Halifax Loan - £2,186.54 0% APR currently with Legal & Trade
Halifax CC - £3,306.93 0% APR currently with Legal and Trade
Goldfish CC - £5,963.12 0% APR currently with Moorcroft
Debenhams CC -£ 957.19 0% APR currently with Lewis Group

Total - £38,204.58


Through the week I have managed to sell my car and sell a lot of things on ebay which has given me £10,464 to pay to my creditors when it eventually clears and actually becomes my money. I know that this will only make a tiny dent in the amount outstanding but if it was not for the hangover from hell that I am currently experiencing I would really feel on top of the world with this achievement. Thank you for all the advice that I have already been given and all further suggestions are equally welcome.

southernscouser

ciarasdreams wrote: »

Through the week I have managed to sell my car and sell a lot of things on ebay which has given me £10,464 to pay to my creditors when it eventually clears and actually becomes my money. I know that this will only make a tiny dent in the amount outstanding

You are sh!tting me right? Thats 26% of your debt gone in a week! :eek:

At this rate you'll be debt free by the end of the month!

But seriously that is a cracking start! It took me 12 months to pay that amount off! :T

spud30

ciarasdreams wrote: »

Through the week I have managed to sell my car and sell a lot of things on ebay which has given me £10,464 to pay to my creditors when it eventually clears and actually becomes my money. I know that this will only make a tiny dent in the amount outstanding but if it was not for the hangover from hell that I am currently experiencing I would really feel on top of the world with this achievement. Thank you for all the advice that I have already been given and all further suggestions are equally welcome.

You've managed to raise £10464 in a week - that's a huge chunk of your debt :eek: :eek:

Even better as a few of your creditors will probably accept full and finals.

In addition to this, you've managed to increase your monthly income by £300 :beer:

You're doing ever so well - I bet your sister is very proud of you.

ciarasdreams

southernscouser wrote: »

You are sh!tting me right? Thats 26% of your debt gone in a week! :eek:

At this rate you'll be debt free by the end of the month!

But seriously that is a cracking start! It took me 12 months to pay that amount off! :T

Thank you I am very pleased but the only problem is that I am now left with literally nothing but myself to sell now so I am just going to have to work really hard. :rotfl: