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Results: Which step should I take next?

Get rid of stored furniture (? costs involved, but paperwork re big debt in there)

62.86% • 22 votes

Piggybanking

0% • 0 votes

Work out my exact household expenditure

28.57% • 10 votes

Drop household maintenance? (Nothing needs doing at present)

2.86% • 1 votes

Get water meter to save poss. £75 per year

14.29% • 5 votes

Other (please specify in comment box - ty)

11.43% • 4 votes

You may not vote on this poll

35 votes in total.

  • FIRST POST
    • miracleworker
    • By miracleworker 14th Sep 16, 4:24 AM
    • 8Posts
    • 33Thanks
    miracleworker
    Plodding Through Debts
    • #1
    • 14th Sep 16, 4:24 AM
    Plodding Through Debts 14th Sep 16 at 4:24 AM
    ---------------------------------------------------------------------------------------------------------------------------------------------------

    JUNE GOOD NEWS

    [COLOR="Red"][B]My Total Debt Repayments from State Benefits are Now £02,077.53

    Passive Income:
    £00,008.57 Mobile Expression app
    £Xx,xxx.12 Bank Interest: 10th and 27th

    New Sources Of Income or Savings: Annual Figures:
    £00,140.00 Switching to lowest variable electric tariff, with no exit fee. Includes cashback and payout bonus.
    - waiting for confirmation of Warm Home Discount availability on 14/06/18 - received
    - Switch meant D/D moved from £39 to £43 only
    - email Utilita to ensure I get the Warm Home Discount in August

    New Source Of Saving: One-Off Figure
    £24,744.00 Dentistry using NHS dentist + grant for implants for mental distress
    - I've been advised this is available, although haven't visited the dentist yet.
    - The dentist is at the end of my street. They should still have my x-rays from two or so years back.

    Allocated Funds Totals:-
    £00,345.00 Savings. Interest paid 31/10/18.
    - £00,310.00 invested in home contents bought at auction.
    £018.36 Sporadic Household Expense Account. Broadband £120-160 21/09/18. Interest paid monthly.
    £00,050.00 Shortages & Piano Moving Fund. Goal £360. Interest paid monthly. Matures 20/10/18.

    Time Saving
    Dropping in letters to bank to do transfers and leaving it with them.
    - Virgin Money does not provide full online banking.

    ------------------------------------------------------------------------------------------------------------------------------------------------------------

    JUNE GOALS

    Take landlord to court

    ------------------------------------------------------------------------------------------------------------------------------------------------------------

    AUGUST GOALS

    One week to apply for Warm Home Discount, at Utilita

    ------------------------------------------------------------------------------------------------------------------------------------------------------------

    BUDGET

    Weekly Income
    127.15 Benefits
    006.00 Apps & Bank Interest - average for 2017
    ---------
    133.15

    Weekly Expenses
    (033.30) Debt Repayments
    (027.69) Spending Account: food, household, toiletries, misc.
    (025.00) Savings for Emergency Fund, etc
    (014.69) Sporadic Household Expenses: home-building, broadband, mobile, hobbies, gifts
    (009.00) Electricity
    (008.47) Water
    (007.39) Gym
    (006.00) Clothing
    (001.61) Tenants' Insurance
    ----------
    133.15

    ------------------------------------------------------------------------------------------------------------------------------------------------------------

    Other Funds
    20.21 + bonus Topcashback for Simply Switch (electricity)
    14.80 Zeek + 05.00 discount email + 01.05 via Topcashback
    11.16 Amazon UK gift card balance
    10.00 B & Q discounted gift card
    10.00 Millets gift card + 2 x 05.00 Millets review rewards
    09.35 + bonus: Quidco - taken as Zeek credits
    08.47 Checkoutsmart - cash to bank
    06.00 Mobile Expression - taken as £20 Amazon gift card
    05.00 Farmfoods gift card
    04.33 + bonus: Topcashback - taken as Zeek credits
    03.87 Vypr
    03.33 Nectar - taken as eBay UK balance
    02.22 Google Opinion Rewards - taken as Google Play credit
    01.50 Quick Thoughts - taken as £10 Amazon UK gift card
    01.47 Tesco Clubcard - taken as Tesco vouchers quarterly - next early August
    00.95 Panel App - taken as Amazon US gift card balance
    00.68 Microsoft Rewards - taken as Debenhams vouchers

    Claimed
    20.00 Amazon UK eGift card - Mobile Expression app - May

    Time-Limited Shop-Specific Funds
    05.00 Debenhams eGift card - expires 22/06/20 - from Microsoft Rewards app

    Other Zeek Funds
    05.00 Code at Zeek website for £5 off every purchase - found using the 'Invisible Hands' toolbar app
    03.00 Zeek discount in email system
    01.05 Zeek cashback per purchase via Topcashback

    -------------------------------------------------------------------------------------------------------------------------------------------------------------

    DEBT REPAYMENTS

    _I__START__I_CURRENTIPAYMENTI

    1. £00,012.68 I £00,000.00 I £XXx.xx I Advertising
    2. £00,091.00 I £00,000.00 I £XXx.xx I Store Credit Account I Now Closed
    3. £00,177.00 I £00,000.00 I £XXx.xx I Water + Court Costs
    4. £00,370.00 I £00,000.00 I £XXx.xx I Personal Loan
    5. £00,847.36 I £00,452.07 I £027.33 I Store Card
    6. £00,939.49 I £00,643.99 I £037.38 I Mobile Phone + Court Costs
    7. £02,208.92 I £01,472.86 I £068.52 I Credit Card
    -------------------I-----------------I------------I
    T. £04,646.45 I £02,568.92 I £133.23 I = £033.30 weekly

    T. £02,077.53 REPAID since 14/10/16

    This thread started on 14/09/16.

    -------------------------------------------------------------------------------------------------------------------------------------------------------------

    DEBTS NEVER OWED

    1. £00,298.40 I Phone + Broadband I Paid £50 Compensation Cheque I Banked 13/03/18 To Savings
    2. £00,678.36 I Overdraft I Breach Of Contract By Bank I Bank Removed It From Credit File

    -------------------------------------------------------------------------------------------------------------------------------------------------------------

    DEBT SETTLED BY MEANS OTHER THAN REPAYMENT

    1. £00,079.60 I Electricity I Paid By Grant
    2. £00,124.47 I Phone + Broadband I Creditor Admitted Wrong

    -------------------------------------------------------------------------------------------------------------------------------------------------------------

    DEBTS IN DISPUTE

    1. £00,159.xx I Phone + Broadband I Massive Overcharging I Not Being Chased
    2. £00,330.40 I Class 2 N.I. I Not Being Chased
    3. £00,694.40 I Working Tax Credit Overpayment I Have Link To Challenge I Not Being Chased
    4. £05,500.00 I Income Tax I Approx. I I Have A Counter Claim I Not Being Chased
    5. £10,664.14 I Car Loan And Insurances I I Have A Counter Claim I Not Being Chased

    -------------------------------------------------------------------------------------------------------------------------------------------------------------

    NODDLE CREDIT SCORE
    Updates on 20th

    545 / 721

    -------------------------------------------------------------------------------------------------------------------------------------------------------------

    EXPERIAN CREDIT SCORE
    Updates on 4th

    621 / 999

    -------------------------------------------------------------------------------------------------------------------------------------------------------------
    Last edited by miracleworker; Today at 1:01 AM. Reason: Working Document
Page 2
    • sourcrates
    • By sourcrates 25th Jun 17, 10:38 AM
    • 14,342 Posts
    • 13,536 Thanks
    sourcrates
    Why have you deleted 90% of the thread ?

    It just does not make any sense to people reading it now.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
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