My Soa

mcjordi

HI THERE

MY SOA :

WAGES - £1000 ISH A MONTH (VARIES)

no oh
rent- £240
ct - £60
insurance (car) £49.90
petrol - £70
food - £50
gas = £30
electric = £30
clothes = £30
b/card= £10
capi one = 20
mbna card = 30
natwest 30 (but want more)
t mobile (just got a demand on 22nd dec)
rent arrears payment 40
ct - 10
breakdown - 5.50
mobile top up - 10

toal 684.79 wheres my money going i have nothing left at the end of the month
debts =

rent arrears - £485
Ct arrears = £120
mbna card = 1175.90
barclaycard = 385
littlewoods = 1500
kays = 250
natwest = 4225
gd williams = 1116.24
capital one cc = 630
halifax 0/d = 1400
british gas = 115
t mobile = 610

total debt - £12012.14:eek: :mad: yikes more than my last post
wheres this snowball thing to get my dfd

bookemdano

mcjordi wrote: »

HI THERE

MY SOA :

WAGES - £1000 ISH A MONTH (VARIES)

no oh
rent- £240
ct - £60
insurance (car) £49.90
petrol - £70
food - £50
gas = £30
electric = £30
clothes = £30
b/card= £10
capi one = 20
mbna card = 30
natwest 30 (but want more)
t mobile (just got a demand on 22nd dec)
rent arrears payment 40
ct - 10
breakdown - 5.50
mobile top up - 10

toal 684.79 wheres my money going i have nothing left at the end of the month
debts =

rent arrears - £485
Ct arrears = £120
mbna card = 1175.90
barclaycard = 385
littlewoods = 1500
kays = 250
natwest = 4225
gd williams = 1116.24
capital one cc = 630
halifax 0/d = 1400
british gas = 115
t mobile = 610

total debt - £12012.14:eek: :mad: yikes more than my last post
wheres this snowball thing to get my dfd

http://www.whatsthecost.com/loan.aspx

mcjordi

agreed i think i spend more than that didnt relaise
that was my last months shopping bill but spent at least another 30 - 40 since
ooooppppssss

mcjordi

54 months for dfd - june 2012 (at 250 a month)
44 months - august 2011 (at 300 a month)
at 400 month - august 2010

mcjordi

rent arrears - £485
Ct arrears = £120
mbna card = 1175.90 (26.9%)
barclaycard = 385 (22.9%)
littlewoods = 1500 (heard nothing for a while)
kays = 250 (heard nothing for a while )
natwest = 4225 (at dca)
gd williams = 1116.24 (at dca no sca)
capital one cc = 630 (at dca now)
halifax 0/d = 1400 dca now
british gas = 115 dca now
t mobile = 610 (dca now)

angchris

hiya :santa2: well done for trying to sort yourself out! the first thing you have to do is stop spending (easier said than done i know) you have catalogues and credit cards that will never go down unless you stop spending on them!
try to use what you have got already and get your sewing kit out instead of buying new clothes. is there room at your pad to take in a lodger? could you get rid of your car because its costing you £125 a month and thats not even including repairs/service or tax. have you got anything worth ebaying or can you get a second job?
try to really buckle down in the new year and get shot of some of those cards as the interest alone must be high. you need to list these debts with interest % so you know which to tackle first.
you can dig yourself out of this mess and i think you`ve caught yourself just in time whilst its still hard but managable (sp?) im sure you will if you put your heart into it recover. try to sort yourself out now whilst you can as none of us knows whats around the corner...what happens if you lose your job :eek: or even worse fall ill.
i wish you the very best my friend as i have been there and its not a nice place to be but spend a bit of time and effort now getting yourself sorted and it pays huge dividends in the future. i learnt my lesson well...money is a tool to be used wisely,with it life is rosy without it life is pants, have a great new year everyone :beer:

mcjordi

hiya thanks but i need my car for work, i do shifts and do get some petrol money of a lad i give a lift to but that just gets spent on dinner at work
i know i shoud pack a lunch box. i dont spend on card anymore or catalouges
the gd williams one has no credit agreement so i am not too bothered about that one (in process of getting my non exisitent ca sent to me0 so it will probably be wrote off.
thanks again

mcjordi

oh yeah the £70 petrol is an average most months it a lot less

mariagti

hello and welcome:hello:

If you do have any things you dont use anymore laying around and you want to ebay them like angchris said do it on saturady 29th as its 10p listing day!;)

And deffo stop buying from catalogues! Theres so over priced! My advice is to throw them away!

angchris

the catalogues are well overpriced, i threw mine away! when i need new jeans (when mine are threadbare with holes i just wear them around the house) i buy used from ebay for a few quid and i wear them till they die. god bless ebay and all who frequent :j

mariagti

angchris wrote: »

the catalogues are well overpriced, i threw mine away! when i need new jeans (when mine are threadbare with holes i just wear them around the house) i buy used from ebay for a few quid and i wear them till they die. god bless ebay and all who frequent :j

Me too!:rotfl: Or george at asda mens jeans are only £3!