I want to stop drowning

BabyStepper

Good idea to just post your spreadsheet. I can't see a savings category in your soa, maybe missing something. :think:

BabyStepper

debtaghh wrote: »

It feels quite scary not having as much in the savings but I know it's the best thing in the long run.

You never did tell us how much you had in savings, so it's hard to advise. I hope you have something left?

debtaghh

Sorry I meant on my computer I have it bulked in one where as here I separated. Yes, I still have £2000 in savings

BabyStepper

Well keep hold of it for emergencies, and possibly the start of christmas etc savings pots.

And what about that deficit? Only a little over £100 to find, you're almost there, being solvent will hopefully reduce your stress massively.

Maybe you could post the list of debts and score off the bits that have been paid? And add in the new minimum payments now that the totals have gone down?

debtaghh

Here goes:

Rent £1300
CT £216
Gas and electricity £100
Mobiles £62
Water £50
Donation £2
Car insurance x 2 £57
Fuel £180
Dad mbna £40
My b/c £170
Mbna £170
Halifax £70
Barclaycard £170
Sky £31
Food £300
Spending £85- includes hair cuts and sch trips
Tesco £70
Dad Lloyd's £35
Nuba £55
Contents insurance £11.50
House alarm £27
Tesco £40
Savings £200 - for everything clothes, health, Xmas etc
Tumble dryer £9

Total £3450

Income
Dh £2520
Child b £197
Salary £450
2nd job £221
Daughter owes me monthly £25
Total income £3413

Shortfall £37

Hope that all makes sense. I need to ring the water board as I want to reduce our payment. Until that deficit is resolved I will just save less. There are a few changes from last time as I have managed to reduce our sky which includes phone , internet and tv

debtaghh

Have contacted the water company and they have reduced it to £40 plus refunded me £85!

BabyStepper

:dance::beer::dance::j:dance::T:dance::D:dance:

If I had better emojis I'd be throwing you a small party right now...that's amazing progress...so good!
(If you got rid of the school donation that would make it £35...just sayin'. )

debtaghh

With the water reduction it's £27 shortage. I think I will stop the donation at the end of this sch year. So £25 shortfall

BabyStepper

Where's your tv license gone? You had it in with your contents insurance on your last soa.

debtaghh

That comes under the savings category