My SOA

Tiglet

A few random points:

1) Have a look at the "old-style" board as well as this one. You'll find all sorts of good ideas for how to make money, food etc. go a lot further (I see someone else has done a link already:o)

2) Did you take out PPI on any of your loans? If so, can you reclaim this?

3) Whatever you are paying on your credit cards in total, pay only the minimum of each card except for the most expensive one. Pay as much as you can off that one. At the moment, that looks like the Next Directory card. When it's paid off, cancel it. As well as making sure you can't run up any more debt on it, it will improve your credit rating for the future.

4) You said you're paying your debts using your savings. I would consider paying it off more quickly than you are, because savings don't earn as much in interest as debts cost.

mummytofour

Mortgage £1650 -
Picture Secured Loan £515 -
Council Tax £150 -
Service Charge £21 -
Water £46
Buildings/Contents Insurance £35 -
Life/Mortgage Insurance £57 - that is a lot
Gas £45
Electric £30
TV Licence £12
Internet £10 get talk talk
Food & Household Shopping £600 - £200 easily
Clothing £80 I spend that on 7 of us
Telephone/Mobiles £130 - £30 mobiles is more than enough and talk talk is only £16 PCM
Birthdays/Xmas £35 £20 should be enough
Holiday £40- Not right now or try camping
Union Subs £46
Haircuts £10
Glasses/Contacts £47 - - Easily cheaper
Dentist £20
Gym £31 - Going, good
Kid's Activities £10
Taxi's £80 Can you get an account cheaper?
Car Expenses £175 how?
Eating at Work £100 - Get rid off
Interest on Overdrafts £25 Anyway you can get rid of this?

Please try not to stress to much. Talk to CCCS and see what they say, selling should be a last option.

Numpty_Monkey

:eek: train at midnight , keep the taxis .better DFW than A+E

I agree with tiglet on the rest

seeing as my link to O/S board looks to work

Have a look on the snowball calculor
http://www.whatsthecost.com/snowball.aspx

and maybe this immoral_angels DFW dictionary
http://forums.moneysavingexpert.com/showthread.html?t=672601