hi Help

lincs1205

hi i am quite new to this co please bear with me:eek: i owe black horse finance a grand total of 10,783.10 less 3236. i defaulted on my egg card and will finish paying that off this month have been paying 266.19 a month. i owe 1027.26 on my capital 1 card am currently paying the minimum of 30.79 a month and i have a 2000 overdraft with natwest. still live at home with my parents and am a recently qualified staff nurse. i clear about 1400 a month after tax i also pay my parents 170 a month, rcn 15.42 my union, 30.91 car insurance, 12.99 love film, 36.22 o2, black horse 269.69, capquest debt recovery 266.19, 17.95 weightwatchers,26 hair, 100 petrol,25 renu exercise. i am also paying 10.18 a month interest on my bank acccount. i would love to move out but with my finances in the state they are no chance, any advice would be much appreciated. no savings either.:rotfl:

GeorgeUK

Hi

If you post up a full SOA with APR's for the cards we may be able to point out some areas you can make savings in.
http://www.makesenseofcards.com/soacalc.html

Numpty_Monkey

:hello: Hi lincs
as george has said if you click that link and post your SOA the great people here will and can help
Have a look at I_A dictionary
http://forums.moneysavingexpert.com/showthread.html?t=672601
Sorry can't do the fancy links:o

welcome aboard:T

floss2

lincs1205 wrote: »

hi i am quite new to this co please bear with me:eek:
i owe black horse finance a grand total of 10,783.10 less 3236.
i defaulted on my egg card and will finish paying that off this month have been paying 266.19 a month.
i owe 1027.26 on my capital 1 card am currently paying the minimum of 30.79 a month and
i have a 2000 overdraft with natwest.
still live at home with my parents and am a recently qualified staff nurse.
i clear about 1400 a month after tax
i also pay my parents 170 a month,
rcn 15.42 my union,
30.91 car insurance,
12.99 love film,
36.22 o2,
black horse 269.69,
capquest debt recovery 266.19,
17.95 weightwatchers,
26 hair,
100 petrol,
25 renu exercise.
10.18 a month interest on my bank acccount.

Ok, that all adds up to £980.55.......so where's the other £419+ going????
You need to start a spending diary, to track those missing £££'s.

Please can you read MSE Andrea's post for newbies, and post a full SOA. Then we can all take a look & try to sort out your finances so you can plan for your future

:hello:

Floss x