Please help!!

floss2

jammygem wrote: »

We also need to pay out for our Road Tax (190), and I have 2 debt recovery companies asking for a total of 140 ASAP!!:eek:

This is our money going in and out per month roughly as we get paid weekly. Any advice anyone can give will be more than appreciated. Thank you for reading::o

Incoming:
My wage 161p/w
My2nd wage 50p/w
My partner 200p/w
partners 2nd wage 40p/w
benefits 113p/m

Total 2029.5 p/m (roughly)

Outgoings:

rent 650
water 30.8 is this on a meter?
council 121 is this over 10 or 12 months?
gas/elec 35 is this for both in total? how do you pay - card meters or direct debit?
tv 10.95
phone bills 65 this is quite a lot each month - you need to try & cut this down - speak to Virgin about reducing the tariff
insurance 40 if this is for your car, when it's up for renewal use confused.com to shop around, then use Quidco to get cashback
petrol 130
virgin35
childminder 360 if registered you may be able to get Tax Credit help with this
shopping280 take a look at the Old Style board to help you to reduce this
Total 1757.75pcm

Debts
egg loan 3458.99 sett. fig
Nat West Loan 4000 sett fig
Barclay Card 1600 limit and outstanding

Re your Road Tax, you will probably have to get 6m this time, and then you will have to save up over the next 6m for the next one.

:wave:

RAS

Hi

Go to www.entitledto.com and put in the details of your current earning and expenditure.

Based on your SOA, it seems you may not be getting enough WTC (is it still based on your partner's old salary?), and that you should be getting child tax credits and housing benefits.

However, I am just going on your figures and you need to check this out for your self