oh have smart telecom 35 a month - paid fine by direct debit -only use broadband, never use landline phone (free line rental inc)
have a 3G phone in contract till July 07, paying 45/month, however i have started working for O2 and have been given a company phone with call value etc on there. But the cancel contract fee for 3G is 405euros.
We have sky which is 67 a month - in arrears of 190 and have been cut off also.
.........
You need to seriously analyse and address the root cause of your debt i.e. overspending.
ESB: Monthly bills usually 60 -100 every 2 months. But arrears of 550.
Will be thinking of heading to Mabs at the end of the month as i have a week off, need to do some serious thinking.
You would be most likely be better off with one of the high yielding lump sum or regular savings deposit accounts listed in the Financial Best Buys section which are probably paying out more than the CU ever will.So far i have managed to open a credit union account. Not for the purpose of taking out loans but just to get me into the habit of saving every month.
Why not post it here for comments?I did a rough budget last nite
If you have debts/arrears that you should be clearing then you should probably not be saving and should instead be using the spare cash to reduce your debts.and found that I can afford to pay the monthly repayments on everything but what was holding me back was when trying to pay the arreas, i would have new current monthly bills and loans coming through again which would push me backwards again.
The only savings im putting into the credit union is only whatever coppers i build up and then change over. Hopefully im on the right track.
Thats true i'll have a look at Rabobank and Northern Rock, i wouldnt have a lump sum so one of them is out of the question.You would be most likely be better off with one of the high yielding lump sum or regular savings deposit accounts listed in the Financial Best Buys section which are probably paying out more than the CU ever will.
Why not post it here for comments?
If you have debts/arrears that you should be clearing then you should probably not be saving and should instead be using the spare cash to reduce your debts.
Why are you deferring the appointment with MABS until the end of the month instead of doing it immediately?
One thing that occurred to me reading this is that you've haven't included any detail on your lifestyle expenses.
For example, how much on taxis, social life, discretionary cups of mocha frappa latte whatever, etc. ?
In other words, what have you being spending your money on instead of letting the loans go unpaid ? How much of that spend are you going to reduce ?
Thats true i'll have a look at Rabobank and Northern Rock, i wouldnt have a lump sum so one of them is out of the question.
When i get home i'll post up the plan i have for ye all to see, just so i know if im doing something right or wrong. Maybe ye can advise me further.
The money advisor is not back until the 25th Oct, and I also have under 2 weeks off from the 21st onwards also. So on both sides it made more sense, i asked if they were opened this sat, but they dont.
Where are you living, mingle?
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