start ???

chevalier

Hope you don't mind if I take out some of the blanks to make it more clear:D

agaks wrote: »

It's me again !

I hope this post is more clear :
01.03.2008
LIMIT
(or start)
PAYMENT
ARREARS
BALANCE
END
Overdraft £100.00 -£82.08

RBS loan £151.30 -£5474.28

RBS Visa £1500.00 %~£25.82% -£1472.65 what is the monthly repayment on this.

BH loan £111.00 -£4551.32

BH car £361.72 -£7309.40

Welcome £248.01 -£496.02 -£7936.32 why are there two balances on this?

Littlewoods £3050.00 ~£240.00 -£478.96 -£2165.05 same here

Next £250.00 £20.00 -£130.00

Sainsbury * %£15.68(20) -£999.34

Tesco Bonus %£11.15(20) -£906.44

RENT ??? -£1700.00 does this mean you are not paying rent?

CASH(private)



-£7000.00

A.K are these individual people you owe money to? Are you paying them anything?
£500.00

A.W
£2000.00

C.G.
£1000.00

L.G
£1100.00

D.K.
£1060.00

C.M
£1170.00

I
£170.00

ALL

Minimum
£1172.03

-£39726.82 So this is the total debt including the friends debt?

ESSENTIAL MONTHLY OUTGOINGS:
WHAT
PAYMENTS
ARREARS

RENT
£368.33
£1700.00

COUNCIL TAX
£66.60 you can opt to pay this over 12 months if you ask
0

GAS+ELECTRICITY
£71.00 this is a bit high. can you turn your heating down a notch, switch everthing off at the wall etc.
0

WATER
£22.50 is this metered? are you on your own? if so you might make a saving if you get it metered.
0

TV LICENCE
£11.61
0

BT PHONE
£14.45-free evening +weekend
0
Ex 01.04.2008
BT broadband
£24.99-wireles
0
Ex 02.07.2008
MOBILE PHONE
£23.01
0

CAR’INSURANCE
£61.00 ouch what do you drive? Can you trade down to a cheaper model? Have a look on moneysupermarket.com or similar to see if you can get a cheaper quote
0

CAR’TAX
£15.00
0

INSURANCE
£4.97
0

PETROL
£100.00


FOOD/COSMETICS
£100.00


% credit cards
£52.65


Birthday/Christmas
£50.00 you can't afford this at the moment so look at ways to get christmas for free, there is a thread about this, ie doing online surveys, daily clicks, mystery shopping.


TOTAL
£986.11

£1172.03 + £986.11 = £2158.14 / MONTH

MONTHLY INCOME :
Employment : £1060.00
Self-employment******* : about £ 1100.00 = £2160.00
Since November I wasn’t working (self-employment) , only had money from regular employment.
I will start additional job again from 01.03.2008

You also haven't mentioned dental charges, prescriptions, contents insurance, magazines, MOT, servicing. Nor any savings for tax for the SE job.

I hope the suggestions help
chev

chevalier

sorry got distracted and you have already sorted it oops

agaks

Thanks anyway I am new here , sorry about this mess,Hope looks better now.

agaks

chevalier wrote: »

Hope you don't mind if I take out some of the blanks to make it more clear:D

You also haven't mentioned dental charges, prescriptions, contents insurance, magazines, MOT, servicing. Nor any savings for tax for the SE job.

I hope the suggestions help
chev

upss, yes, I need to inc MOT and servicing, SE income is after tax!
Thanks !

RAS

Have you spoken to any of the debt charities yet?

http://www.moneysavingexpert.com/loans/debt-help-plan#help

agaks

Thanks for your sugestion !
No, no yet,i didn't rang nobody.
Today i sorted rest of my peperworks.Now I think I know where I am with my debts. At this moment I have 2 months arrears to Welcome Finance (£496.02) and Litllewoods cataloge (£478.96) and £1700 for my rent. I will spoke about rent tomorow 3pm....
Thinking about swap car for smaller one, but I am no sure if this will be possible....??? Mayby smaller payment per month and cheaper insurance ???
I bought this car 28 months ago-it was only my one credit, but after I want to be good friend and.... :(:( :mad: :mad: :mad: :mad: :mad: :mad:
Live...:(
Council tax'payment are for 12 months.
I will check electricity and gas bills again!