Ok here goes soa

Gemmzie

Also, sorry, is £1050 before or after tax and NI?

The rates can be converted at https://www.whatsthecost.com on the interest bit to find out the APRs

holley

I dont earn enough to pay tax NI is paid monthly and is taken out of that figure I earn approx £400 per month summer months is better but winter evens it out a lot other half give me about £700 towards bills, I'm hunting down the interest rates on the other credit cards

frosty

Hi holley,what food are you feeding your dogs?we go to makro and stock up when dried food is on bogof,and we buy working dog(no VAT).The last we bought was £6.99 for two 17kg bags.We mix a tablespoon of tinned dog food in with the biscuits so they dont get bored.
We have also managed to cut our food bill from £500++ a month to £200 a month this is for 6 adults,2 dogs,cat,parrot and 3 ferrets.This is thanks to the oldstyle board and joining the grocery challenge.Good luck

Sassamac

holley wrote: »

I'm hunting down the interest rates on the other credit cards

well done. I know how hard it is to post your first SOA and it seems like people are asking for every detail when you often dont know the answer. But it truely helps to give a clearer picture when armed with all the info.
When you know exactly what your debts are costing oyu, you can start to sort them out.

Verbatim

Just wanted to say hi and congratulations on posting your soa.

BAILIFFCHASER

the problem with most cc and banks is that they get indian call centres to chase debts. Ifthey phoned me they would get a mouthful back in hindi.

holley

thanks for the replys it never rains but it pours just found out my dad is very ill, hes in a home and they look after him well but it doesnt look good for him.
I will phone mbna tomorrow and try and get them too hold off for a while I cant ask mum for a loan just now its not right

holley

Found % for HSBC 19.0 and Egg 17.9 cannot find one for barclaycard dont appear to have had a statement I know I tend to hide them till I feel brave enough to open the letters!
Am going to try really hard to cut back on the food bill.

WhoopieDoodle

Holley, hello. The food bill can be reduced quite drastically and you don't have to be living on baked beans either.

We spent a fortune on food but now we spend £150 a month, which is food for 2 people, 1 dog and 2 cats. This cost also includes toilettries, painkillers, etc.

Plan your meals for each day and stick to your shopping list. Use the oldstyle board for hints and tips and look out for the offers in the supermarket.

We eat very well and can even have a treat of a bar of chocolate once a week too! (my highlight)

Good luck with everything x