My SOA

Staffie__2007

My income - 1100 after tax
Partners income - 1300 after tax

Mortgage - 626
Home insurance - 14
Council tax - 76
Gas - 23
Electric - 23
Water - 20
Tv licence - 12
sky - 43
home phone - 14
OH mobile - 40
My mobile (includes free broadband )- 40
Car insurance - 23
Breakdown cover - 8
Tax - 10
MOTs - free
Fuel - 120
Home emergency cover - 7
Life cover - 19
Food - 120
OH money - 200
My money - 200

Total - 1638 (762 left over)

Debts

OH CC1 - 920 (60)
OH CC2 - 300 (30)
OH CC3 - 120 (20)
My CC - 3000 (80)

Loan - 6600 (210)

Flexiloan - 2250 (130)

OH cat - 1200 (0)
My cat - 300 (0)

Car -(have 1k saved for payemts til dec08) 4500

perfectlypoor

Hi your mobile tariffs are really high along with your sky, do you really need that sky package could you get a cheaper one or get rid of it altogether and get a freeview box for a one of payment of £20. Are you in a contract for the mobile phones as £80 is a lot of money. Is your car ins house ins and breakdown cover the best prices you could be getting.

saver03

Staffie__2007 wrote: »

My income - 1100 after tax
Partners income - 1300 after tax

Mortgage - 626
Home insurance - 14 is this buildings and contents? Just seems low.
Council tax - 76
Gas - 23
Electric - 23 turn everything off at the plug before bed
Water - 20
Tv licence - 12
sky - 43 Can you reduce your package? We are on virgin and get XL tv, broadband and home phone for £30
home phone - 14
OH mobile - 40
My mobile (includes free broadband )- 40 Both mobiles seem very high
Car insurance - 23
Breakdown cover - 8
Tax - 10
MOTs - free
Fuel - 120
Home emergency cover - 7
Life cover - 19
Food - 120 If there is only 2 of you this can be reduced pop to OS board
OH money - 200
My money - 200 What are these? Can they be reduced?

Total - 1638 (762 left over)

Debts

OH CC1 - 920 (60)
OH CC2 - 300 (30)
OH CC3 - 120 (20)
My CC - 3000 (80) Can you post your limits and aprs for all ccs?

Loan - 6600 (210) apr?

Flexiloan - 2250 (130) apr?

OH cat - 1200 (0) ?
My cat - 300 (0) ?

Car -(have 1k saved for payemts til dec08) 4500

Sorry if you think I am being harsh I am honestly only trying to help. I know how very daunting it is to post your soa on here and then have peopel criticise it.

The best thing I can suggest is pay off the debts with the highest aprs first and then just work your way down the list throwing any extra money at the debts.

Set yourself a goal or challenge and work towards it.

GOOD LUCK :money:

BARGAINHUNTER!

Why don't you cancel sky for a bit and use the money to pay off some of the bills? I think you can still use the box for freeview. Are the £200 each for you to put away as savings or for you to just spend on what you like? If these can be cut to £100 each that gices you an extra £200 a month to throw at the bills!