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Half way through Dmp but losing the will to live!
Comments
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Building insurance is high.
30 quid a month for clothing with 3 kids is not realistic at all.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
I've only been driving a year so I'm driving a bin, plus I live in a high crime area and I was made up with that having paid £117 a month last year.
My eldest son is 14 but in men's sizes and growing so keeping up with clothes is difficult. His school uniform alone is over £200 but that's all they'd let me have.
I've been scared to change house insurance (even though they keep upping it) because you can't claim for so long into a new one and I'm scared of something happening in the interim.
Virgin keep upping my bill too but I'm scared to change it and enter another contract incase I'm able to leave the house.
They are the monthly figures.0 -
Could probably add another £100 to the food bill with them too0
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You monthly budget needs to accurately reflect your true expenditure. So if you are spending more than £30/month on clothes then you need to enter the true number. (sorry if it sounds nit-picky)
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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When I filled in my first budget they kept telling me I couldn't spend this that and the other or the lenders wouldn't accept it so I've tried to keep as close to the what they'd allow as possible.
My youngest has gone up 2 shoe sizes in a year0 -
I've also guessed the value of the house based on one a few doors up going for £67000 with double glazing and central heating and no holes in the house (I'm also assuming none of the doors are falling off as well). I have neither.0
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Well whether they accept it or not I dont think £10 per child a month would even be anywhere near enough to even cover a basic school uniform far less anything else.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
You'd be right. It wouldn't even put shoes on their feet. I suppose I was just worried about being knocked back ( I was in a terrible state)0
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Unsecured Debts
Description....................Debt......Monthly.. .APR
unsecured loan.................7467......65........5
barclaycard....................6411......0........ .0
barclaycard....................5690......0........ .0
barclays.......................305.......0........ .0
barclays.......................393.......0........ .0
moorcroft......................778.......0........ .0
lowell financial...............733.......0.........0
lowell financial...............889.......0.........0
mbna...........................1504......0........ .0
mbna...........................2296......0........ .0
Total unsecured debts..........26466.....
Each debt needs a monthly payment amount next to it, otherwise your SOA will be wildly inaccurate.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Sorry. I didn't realise I'd not filled that column in.0
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