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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by carl[/i] [br]Hello there Quick question if thats ok people? I have almost completed the SOA form. Having spoken to a few debt management companies about what may or may not happen in my case two companies has advised me to cancel the direct debits for my Gas/Elec/Water etc and go to quarterly billing to save money. Is this correct? I was under the impression that I shouldn't really change anything before declaring myself BR? I thought it would be more beneficial for me to keep all my direct debits as they are and let the OR look at my Income as it is when trying to work out what my disposable income is? Also does anyone have the link to the spreadsheet which shows the figures that the OR allows for living expenses etc so I can work out rought where I stand. Thank you once again [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.