Please help SOA

Time2Go_25

Darrenluke said:

anniecave said:

So for example the MBNA is 0%...  I assume it's not forever at 0%, when does the 0% period end, is there a minimum monthly payment amount in between, what rate will it go up to after that period?

Really so grateful. Your comment prompted me to check the end of the promotional period. I thought I had a lot longer. Ends Oct this year!!  Now I no where 100% of my focus needs to be!!!

I may or may not need to be where your focus needs to be as it would depend on what the interest rate of it will be when the 0% comes to an end, in comparison to the interest rates on your other loans.

stu12345_2

please make your next post a proper SAO in MSE format via the links that have been provided.

otherwise you will just get incomplete replies to your problem.
it takes 10 mins to fill it in.
many thanks

Singlespeeder

£100 to Charity is ludicrous. Stop it.
How much on phones?
Unless you have a large family your food bill is unaffordable. Even then, it's unaffordable. £160 a week is something like £700 a month AND THEN £250 on eating out !!!!! That's nearly £1000 on FOOD! You could EASILY get that down to £400.
Coming on asking for help, but not providing ALL the (anonymous) information, whilst frankly haemorrhaging money on luxury items you simply can't afford is why you're in a mess, you have an unsustainable relationship with money.
Even the title of the thread is bizarre, "Please help SOA", with no SOA being provided.
Fill one in, format for MSE and post it. Or don't. But at least look at it and look at where you fritter your money.

Floss

Singlespeeder said:

£100 to Charity is ludicrous. Stop it.
How much on phones?
Unless you have a large family your food bill is unaffordable. Even then, it's unaffordable. £160 a week is something like £700 a month AND THEN £250 on eating out !!!!! That's nearly £1000 on FOOD! You could EASILY get that down to £400.
Coming on asking for help, but not providing ALL the (anonymous) information, whilst frankly haemorrhaging money on luxury items you simply can't afford is why you're in a mess, you have an unsustainable relationship with money.
Even the title of the thread is bizarre, "Please help SOA", with no SOA being provided.
Fill one in, format for MSE and post it. Or don't. But at least look at it and look at where you fritter your money.

If the OP's household take home is £6-7k per month, they probably don't feel that their food bill or charity donation is excessive. 

OP, please post a formatted SOA so you can be given more specific advice.

Singlespeeder

Floss said:

Singlespeeder said:

£100 to Charity is ludicrous. Stop it.
How much on phones?
Unless you have a large family your food bill is unaffordable. Even then, it's unaffordable. £160 a week is something like £700 a month AND THEN £250 on eating out !!!!! That's nearly £1000 on FOOD! You could EASILY get that down to £400.
Coming on asking for help, but not providing ALL the (anonymous) information, whilst frankly haemorrhaging money on luxury items you simply can't afford is why you're in a mess, you have an unsustainable relationship with money.
Even the title of the thread is bizarre, "Please help SOA", with no SOA being provided.
Fill one in, format for MSE and post it. Or don't. But at least look at it and look at where you fritter your money.

If the OP's household take home is £6-7k per month, they probably don't feel that their food bill or charity donation is excessive. 

OP, please post a formatted SOA so you can be given more specific advice.

Might not think it but it is ... and big income just seems to mean big debt, but at least they've the fire power to get out of it with some judicious trimming and belt tightening.... and the charity is dumb when you're in a hole yourself .
But each to their own.