Time to tighten the purse strings and revive this thread. Current debts: With Stepchange:
Great big loan: £12,349.59
Natwest loan: £3,859.52
Vanquis loan: £2,291.38
Credit card: £1,902.14
Overdraft: £1,556.13
Intrum: £1,208.44
Littlewoods: £1,130.26 Currently active accounts: JD Williams: £493/£500 Capital One: £197/£200 Barclaycard: £740/£750 Conservatory finance: £13,000 Big RED flag debt: HMRC = £1628!!!!!
Okay, so this week to reduce outgoings I have done the following: Cancelled the sports packages on the TV (BT Sport £25 and Sky Sports £21 respectively) total saving £46 Changed the insurance policy on the van total saving £32 Changed Gas and Electric provider from Scottish Power to British Gas total saving £35 Cancelled the DD to Welsh Water as it was too much, will call and negotiate lower payment today. total saving??
I still need to speak to Stepchange for a budget review and get the car sold. Upcoming outgoings: CHILD #4 BIRTHDAY. Next 2 weeks: Gas/electric £100 DVLA £12 Council tax £133 Home insurance £10 DVLA for Van £17.50 Stepchange??? Sky £108 (last bill, after this payment it will be £51) Vodafone £150 (tablet, phone x2, watch - all stuck on contract) Current amount in bank; £250 and I need to do a food shop today.
Anyone know of any miracle workers?
Laura 20.08.14 ♡ Ivy 05.07.13 "...within me there lay an invincible summer."
Replies
Current debts:
With Stepchange:
Currently active accounts:
JD Williams: £493/£500
Capital One: £197/£200
Barclaycard: £740/£750
Conservatory finance: £13,000
Big RED flag debt: HMRC = £1628!!!!!
Okay, so this week to reduce outgoings I have done the following:
Cancelled the sports packages on the TV (BT Sport £25 and Sky Sports £21 respectively) total saving £46
Changed the insurance policy on the van total saving £32
Changed Gas and Electric provider from Scottish Power to British Gas total saving £35
Cancelled the DD to Welsh Water as it was too much, will call and negotiate lower payment today. total saving??
I still need to speak to Stepchange for a budget review and get the car sold.
Upcoming outgoings:
CHILD #4 BIRTHDAY.
Next 2 weeks:
Gas/electric £100
DVLA £12
Council tax £133
Home insurance £10
DVLA for Van £17.50
Stepchange???
Sky £108 (last bill, after this payment it will be £51)
Vodafone £150 (tablet, phone x2, watch - all stuck on contract)
Current amount in bank; £250 and I need to do a food shop today.
Anyone know of any miracle workers?
"...within me there lay an invincible summer."