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Emmalene

I’ve done the soa but it wouldn’t load

Emmalene

Debts M&S £3,164 Halifax loan Credit Card
DECEMBER 2018: £3,164-£335=£2,829.00 DECEMBER 2018: £3,697-£241=£3.456 DECEMBER 2018: £2,632
M&S £3,133.56 JANUARY 2019: £2,829-£335=£2,494.00 JANUARY 2019: £3,456-£241=£3,215 JANUARY 2019: £2,632-£600=£2,032
Halifax £1,000.00 FEBRUARY 2019: £2,494-£335=£2159.00 FEBRUARY 2019: £3,215-£241=£2,974 FEBRUARY 2019::£2,032-£600=£1,432
Starling £1,000.00 MARCH 2019: £2,159-£335=£1,824 MARCH 2019: £2,974-241=£2,733 MARCH 2019: £1,432-£600=£832
Halifax credit card £2,632.00 APRIL 2019: £1.854-£335=1.489 APRIL 2019: £2,733-£241=£2,492 APRIL 2019: £832-£600=£232
Halifax loan £3,697.00 MAY 2019: £1489-£335=£1,154 MAY 2019::£2,492-£241=£2,251
December £11,462.00 JUNE 2019: £1,154-£335=£819 JULY 2019:£2,251-£241=£2,010
January £10,886.00 JULY 2019: £819-335=£484 AUGUST 2019:£2,010-£241=£1,769
SEPTEMBER 2019: £1,769-£241=£1,528
OCTOBER 2019: £1,528-£1,287
NOVEMBER 2019: £1,287-£241=£1,046
DECEMBER 2019: £1,046-£241=£805
JANUARY 2020: £805-£241=£564
FEBRUARY 2020: £564-£241=£323

Sncjw

You need to format it for Mse and also the full breakdown not just the debt

Emmalene

That is a full break down

Emmalene

M&S £3,133.56. £335.54 per month
Halifax £1,000.00 £100 per month
Starling £1,000.00 £100 per month
Halifax credit card £2,632 £500 per month
Halifax loan £3,697 £241.52 per month
Phone bill £100
Nails £50
Rent £100
Food/toiletries £50
I earn £1,089 a month


It’s over my wages


Plus I’ve got overdraft charges to pay also £90 in charges

Grumpelstiltskin

Phone bill £100 a month?

That should be the first thing you need to look at, why is it so high?

Emmalene

It’s the top iPhone that’s why it’s so expensive

Grumpelstiltskin

Duplicate thread.

https://forums.moneysavingexpert.com/discussion/5941653/debt

OP You don't need to start another thread, keep everything together on one.

C.M.

You seem to be reposting because you don’t like the responses on your other thread; but the cold hard truth is your wages do not cover your current debts and outgoings. So each month I assume you are spending more into your OD, and putting basic living expenses like food on your credit card and getting further into debt.

You can not afford to be getting your nails done, you cannot afford a £100 phone bill.

You either need to increase your income through a second job, or promotion. Or you need to decrease your outgoings, with the debt commitments you have the only way to do this is to reduce your minimum payments via a dmp - whether that’s self managed or with help from a debt charity is up to you.

You are kidding yourself if you think you can buy a house within the next few years, so that’s no reason not to go into a dmp.

If you keep going as you are you are going to max out your credit availability and begin to default anyway. You are robbing Peter tomoay paul; and that can only last so long.

You need to wake up

[Deleted User]

Lose the iPhone and the nails, and you've just earned yourself a 15% pay rise.