Here i go... I need all the help/advice I can get please guys!

angelflower_2

hey

no one has mentioned them on this post yet but I have recently got in CAP. (Christians against poverty - dont be put off by the name).

They have been amazing. It seems to me like the main problem is the sheer amount you are having to pay out in debt payments and overdrafts. They are excellent at negotiating with creditors and mortgage companies (they have worked the most amazing wonders for me). This is quite often without having to go down an official iva type of arrangement although in some cases this might be best.

Not just that but they give you a support worker, someone to talk to occassionally about stuff when there are bad days during a budget (and we all have them). They also have other amazing resources to help assist you.

Where are you based and I will find out which is your nearest centre?

monkey5_2

I am up in the north west, out in the sticks

thank you

I think I will also try CAB, any help is help!

GeorgeUK

I'm pretty useless at these budget things, but i'll give it a go.

monkey5 wrote: »

Breakdown per month outgoings is:
Mortgage – 363
Council tax - 70 Are you paying over 10 or 12 months - try to change it
Water – 24 All utilities - search on uswitch for best offers
Secured loan - 255
Bank loan - 170 (3 years left to run £5000 balance)
Other loan – £82.5 balance = 1100 (16 months left)
Gas - £35 (with a few cold nights throw in there!) uswitch?
Electric - £30 (with some severe energy saving but I should do that anyway) uswitch?
Food - £20 – courtesy of aldi J
Household stuff - £20
Petrol £65
mobile - £35, now 300 bill from non payment and been cut off


Debt
Cred card – £250 up to date but cant pay this month
Cred card – £700, haven’t paid for three months CAB - pay even £1 to each debt
Catalogue – £150 haven’t paid for three months
Catalogue – £200 up to date
Overdraft 1- £1900
Overdraft 2 - £300

Save water - Have you got a hipo in your cistern? or just fill a bottle with water and leave it in there.
Electricity - don't leave anything on standby. It still uses power so you are paying to have your tv switched off.

Hopefully you'll get a few more (and better informed) ideas thrown in later.

angelflower_2

http://www.capuk.org/help/contact-a-cap-centre-for-help

To find out the nearest centre to you.

From my experience, companies prefer to deal with them than cab who are quite slow at negotiating and depending on which officer you get at cab, you might have to do a lot of the paperwork yourself which is extremely difficult.

Best of luck and well done for trying to sort it out.