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Could I lose my home.
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Just a quick update-
After doing my SOA and realising there were areas I could cut back on, I have managed to have £300 per month to go towards my debts. This is much better then the original £38 myself and stepchange had come up with.
I've managed this by
-Cutting out pocket money, my sister has offered to cover this instead.- £65 saved
-My house insurance was actually only £11.60 and not the £27 I thought it was saving me £15.40
-Boys school meals will be covered by Dad when they are back -saving me £32.50
- as I have renovated my house I have set aside £12 a month instead of £33, this will cover things like paint. saving me £21 pm
total savings- £133.90
- wages are actually £1306 per month an extra £28 per month
-Tax credits have increased to £199 per week an extra £91 pm
total extra per month £119
meaning I am up by £252
I also have a little money set aside and have asked my Nan if she would gift me some money so I can get out of my energy arreas... this will allow me to move and I would potentially be saving around £30-45 per month.
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