Please help....

chevalier

aren't the distance selling regulations wonderful. So you should be able to get out of the agreements and go to a non charging place, ace!
chev

BruceWayne

IN:
Salary £350 - £400
SAAS Bursary £521 Same Every Month

OUT:
Mortgage £230
Electricity £40
Setanta Sports £5
Vodafone £35-45 Your right enough i dont NEED two contracts however i am tied in to both of them. i am in the processes of downgrading the orange contract but can only do it one step at a time on a month by month basis.
Orange £30 ^^
Tv Licence £10.83
Council tax £80
Sky Talk £15
Food £50
Cigarretes £100
Petrol £80
Road Tax £33
Car Insurance £39
Gifts (Birthdays) £10(Christmas) £12.50

Owing
BoS Overdraft £248.85 (0%)
BoS Overdraft £1249.99 (0%)
BoS Credit Card £2571.48 (19.9%)
BoS Personal Loan £13063.43 (8.9% 62 months)
Virgin Credit card £2044.89 (15.9%)
Family Member Loan £152 pm approx £3700 remaining

Gemmzie

You need all the figures as monthly, otherwise it's difficult to work out.

Smoking jumps out right away :eek: That's twice the amount you spend on food!

BruceWayne

Gemmzie wrote: »

You need all the figures as monthly, otherwise it's difficult to work out.

Sorted, have changed all annual and quarterly to their respective monthly amounts.

food is split with my flat mate, so thats half of what we pay together, plus i get heavily subsidised meals at work. hth

chevalier

I would also suggest that you ask the family member if you could stop paying them until you have paid off one of the interest bearing debts. Uncomfortable I know, but will save you money in the long run
chev

scotsgirl_3

have you looked into your council tax? As a student you should really be exempt from council tax. it may be different where you are but in edinburgh if all residents are students then there is no council tax to pay, and if just one of you is then you should still be getting a 25% reduction

BruceWayne

scotsgirl wrote: »

have you looked into your council tax? As a student you should really be exempt from council tax. it may be different where you are but in edinburgh if all residents are students then there is no council tax to pay, and if just one of you is then you should still be getting a 25% reduction

thats a great tip! i hadn't thought of that, will get on to west lothian council tomorrow to see what they say.

BruceWayne

chevalier wrote: »

I would also suggest that you ask the family member if you could stop paying them until you have paid off one of the interest bearing debts. Uncomfortable I know, but will save you money in the long run
chev

pretty certain this isn't going to be possible, as its not actually a family member of mine, its my flat mate's mum, she put up 10% for the deposit on our flat. the extra wee bit of cash would be handy though, but i know it covers a chunk of her mortgage since her OH passed away.

**ZAPPER**

Hope you cancelled your agreement with GP today???????????????:whistle:

BruceWayne

as i write this, i am on the phone to payplan, once everything is sorted here am going straight on the phone to gp to cancel the agreement. was on a 13 hour shift at the hospital yesterday, gp was closed when i rang.