B
Do you have anything you could sell from the debt you built up? If yes, sell it.
Do you have public transport or cycling options from where you live?
Do you need 2 cars?
Could you sell either car and buy a much cheaper one and use the difference to pay off some of the debts?
Can you move credit cards to 0% accounts?
Ask your landlord for a reduction in your rent.
Ask her if she can afford to have it vacant for a few months looking for a new tenant?our landlady will not give us a reduction on our rent, which is another reason we are moving, we have 2 months left on our lease and told her we would move unless she would reduce it but she is unemployed at the moment and i guess she cant afford the mortgage herself
outgoings:
rent 600
CC 1 100
CC2 50
CC3 40
Loan 1 350
loan 2 200
Car ins 130
repayment on overdraft 100
Petrol OH 360
petrol 250
Food 180
broadband + TV 60
Bins 35
ESB 50
Car MISC (tax, tyres etc) 100 (i blame poor state of roads)
Cigarettes 100
Heating 100
MISC- credit, presents etc 200
Total 3005
we are trying to move to the town where i work so we can get rid of one car but we cant afford to pay off ESB and get money together to move!
As Gianni says, you can get back on track by cutting down.
If you need a kick start to move to a new place, is there any way you could stay with family/friends for 2 months to build up a few hundred?
Monthly takehome for me (civil service so after pension, union etc) 1760
am i reading this right.
You earn 66% more than your partner but only take home 29% more than him.
Wow. So much for being a civil servant. Those levys must hurt.
I cant get over that.
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