Have DMP but can't even afford to pay that :(

cat4772

laura269 wrote: »

Sorry had to dash earlier. Got more to put on the SOA dso here goes.

Incoming (monthly)
Wages/Salary £0.00
Wages/Salary (partner) £2500
Child Benefit £135
Tax Credits £42.00
Total income £2677


Outgoings (monthly)
Mortgage £1100
Egg loan £450 How much of this will go towards DMP when paid off in January next year?
DMP £164
CC payment (OH CC) £100
Life Cover £20
Buildings Insurance £15
Contents Insurance £15
Council Tax £119 can this be paid over 12 months reducing outgoings and extra money can go towards the DMP?
Electricity & Gas £80
Water £25
Food/Housekeeping £300:eek: :eek: :eek: This can easily be cut, check out money saving Old Style threads (menu planning, grocery challenge, cooking from scratch. My husband and I still have the occasional takeaway but have reduced our grocery bill to £180 a month (we had 3x £20 takeaway that month as well). Try cutting it by £50 a month and see what it can get down to. Take packed lunch to work will also help limit outgoings.
Telephone (includes internet) £25
Mobile (both of us) £40
Sky £40
Total £2453

Can't do anything about the mortgage as its only just been redone. I have nothing to do with it as I couldn't get a mortgage with my name on it.
Egg loan runs until Jan next year then its finished. There is £3,768 left on that.
OH will not cancel Sky. He says its his one bit of pleasure and he pays for it and I agree with him. Why should he suffer becuase of my silly mistakes??

Really hope you can sort this out or that someone far more knowledgeable than I comes along and helps you.

Cat.x

I crossed with CCCS_Matthew and he's DEFINITELY far more knowledgable than I am

Merlot

cat4772 wrote: »

Really hope you can sort this out or that someone far more knowledgeable than I comes along and helps you.

Cat.x

I crossed with CCCS_Matthew and he's DEFINITELY far more knowledgable than I am

CCCS Matthew may be more knowledgable, but I'm sure the OP will appreciate your input too, it can work wonders if someone else in debt can relate to your circumstances.