I wish to be debt free-suggestions

Greg89

Phone debt 3-£400
Another phone debt-£450
Another one-£1900

Then I pay mobile phone, car tax, car insurance, loan repayment, another mobile phone as I got dual SIM, universal credit repayment 

Monthly:

Phone debt 1 £8
Phone debt 2 £62/
Loan £51/
Car insurance £128
Car tax £18
UC £20
Mobile phone 1 £23/
Mobile phone 2 £13
Charity £22/
Pure gym £17/
Credit card £24

£113 on dd pw

Rent £50pw

I use to have a car, but get the train to work and that's around £40pw

The / symbol is something I easily could've avoided 

I earn £1510 per month 

I have been working for two and 3/4 years and I spent money on food breakfast, lunch and dinner for 5/6 days a week easily £20 a day for a long time 

So £100pw wasted on food and obviously spent a few quid on psychics every week 

I had poor self esteem and the bullying, abuse from the family which they also gaslighted, undermined and brainwashed me, leading me to use premium lines. 

kimwp

Hi! Are you struggling with payments or just wanting advice on where to cut back? It will help if you put these numbers into an SOA (state of affairs) format that we are used to seeing - there's a link in my signature.

EssexHebridean

I agree with Kim that an SOA is the right way forwards - however at a glance you no longer have a car but you are still paying the insurance (feasible if you are in a contract) but also road tax? Have you done the paperwork to confirm to DVLA that you have sold the car? It’s important to do this as you are still seen as the owner until you do so, AND get acknowledgement from DVLA that it has been received too. This could mean picking up the bill for things like parking tickets acquired by the new owner! 

If the details above are indeed all your  outgoings then you have a good few hundred pounds spare each month even before you tackle things like the high food spend, sorting out the road tax payments, and the  car insurance payments finishing. Personally if it were me, I’d put together that SOA, start working to a proper budget, deal with that food spend issue (meal planning, shopping to a list, not buying lunch every day but taking a packed lunch etc) and work out my real surplus each month, then getting those debts sorted. It might be worth looking at the loan first if it can be settled earlier as the amounts of the monthly payment suggests this is a payday loan or similar which may well have sky high interest rates. 

The SOA is a great tool to help you identify where you should be budgeting, but aren’t.

My final suggestion would be that you have identified the issues around your family’s behaviour, so now it’s time to fight back against that and stop letting them adversely affect your life.  The telephone lines aren’t doing you any favours, just costing you money for telling you what you want to hear - maybe consider a GP appointment to see if you can get a referral for counselling. Failing that, spend what you would have spent on the telephone lines on a monthly private counselling session instead. 

Greg89

Here is my soa: https://ibb.co/rtGyfC5

fatbelly

There is plenty of free help available. Have a play with this

https://www.nhs.uk/service-search/mental-health/find-a-psychological-therapies-service/

Is there any chance of posting your soa in this thread? I struggled to see your link

kimwp

Agree, please post your SOA on here if possible, I don't click on links to websites I don't know.

EssexHebridean

I have clicked through but can only see a very truncated summary. Best to use the calculators we recommend on here OP to complete the SOA - one is in my signature - then use the "format for MSE" option and copy and paste into the thread. 

Greg89

Here is my soa

Martico

Hi Greg, sorry to read of your concerns.
If you really want the best advice from people here, then a full SOA would be best - that summary above doesn't tell us a lot I'm afraid. A full SOA includes individual (category) spends by month, and we're all used to reading those. Both Kim and Essex (above) have the link in their signature. 

elsien

Agree. As an example, your “obviously spent a few quid on psychics every week ” comment has me slightly baffled. Because it’s not obvious,  and “a few quid” could cover a multitude of options. 

Your summary doesn’t show how much your monthly debt repayments are, and whether you’re able to meet them or not. You do need to give fuller information to get any sort of half decent suggestions. 

Martico

If you click the "Format for MSE" button once you've filled it in on Lemonfool, then a new window will open that you can copy and paste here. Not sure, but you may need to do that on a PC/MAC rather than a phone