Milocat's Long Road Home..

in Debt free diaries
61 replies 3.7K views


  • milocatmilocat Forumite
    175 Posts
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    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:
    Next 2 weeks:
    Gas/electric £100
    DVLA £12
    Council tax £133
    Home insurance £10
    DVLA for Van £17.50
    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."
Sign In or Register to comment.
Latest MSE News and Guides

Did you know there's an MSE app?

It's free & available on iOS & Android


Regifting: good idea or not?

Add your two cents to the discussion

MSE Forum

Energy Price Guarantee calculator

How much you'll likely pay from April

MSE Tools