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New here
Annie_99
Posts: 120 Forumite
Hello,
I have lurked on the sight for the last few weeks and am now gonna post and say Hi!
Me and my husband are looking at our debt etc and need some advice. I will post a SOA as soon as I know what to do...
We keep running out of money and have NOTHING to live on the last week of the month. Our teenage children are starting to notice the empty fridge and cupboards that last week and it is both humiliating and embarrasing as they dont understand our situation..
I really need help as I have spent the last few nights with no sleep wondering what to do..
If we post our SOA can someone look at it please, also some advice about a DMP and what that means..
Thankyou
Annie x:o
I have lurked on the sight for the last few weeks and am now gonna post and say Hi!
Me and my husband are looking at our debt etc and need some advice. I will post a SOA as soon as I know what to do...
We keep running out of money and have NOTHING to live on the last week of the month. Our teenage children are starting to notice the empty fridge and cupboards that last week and it is both humiliating and embarrasing as they dont understand our situation..
I really need help as I have spent the last few nights with no sleep wondering what to do..
If we post our SOA can someone look at it please, also some advice about a DMP and what that means..
Thankyou
Annie x:o
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0
Comments
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Hello, welcome. You're in the right place. Definitely post your SOA as soon as you can, it helps to have it down in black and white.
Have a look at the old style board for ways to feed a family on a tight budget.Debt at LBM (17/10/08) £5727.61 Debt free date 31/08/090 -
hi annie
your in the right place
you will get all help and support you want
post up your SOA and let us pick it to bits
also start a spending diary
so you can see where every penny is going
kas xxbr no 188
AD 17th apr 09:D
mortgage free 22/5/09:D
debt free 11/8/09:D
:j#18 £2 saver = £ :T sealed pot #333silent member of mikes mobi will lose weight :rolleyes: i will sort my house
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Hi, welcome to the boards. If you post your SOA some experienced MSEr's will be along to help you cut back.
If you are going down the DMP route make sure it is a FREE one, or alternatively manage one yourself ( I am after lots of tips from here).
Both my DDs are aware that money is tight, just explain to your teenagers that things might be tight for a while. They don't need to know for how long or why but explain. After a while you says-we can't aford that this week- begins to sink in.
(mine have fun shopping for bargins and seeing who can find the cheapest say biscuits/flour in Tesco/asda/lidle)Proud to be dealing with my debt:eek:
TOTAL: £6,437 (04/01/2013) slowly but surely it is decreasing:D0 -
Hi Annie welcome along:hello:
We will try to help:A
and don't worry about asking any questions, we where all new at sometime:o
Get your SOA up as soon as you can
use this one http://www.makesenseofcards.com/soacalc.html
just makes it a bit easier for the clever ones:D:A
and don't worry about mistakes they'll soon find them;)
You've done a very good thing joining here :T:j:j:TPROUD TO BE DEALING WITH MY DEBT NERD #869
DFD 5/1/16Numpty,Not sure why but I'm crying . Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & 
for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
xx0 -
Thanks gonna work on the SOA now but it may take a while!!0/4500
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How old are the kids? If they're teenagers they should be old enough to understand.
Good luck doing the SOA, have a cup of tea and take it slowly.Unless I say otherwise 'you' means the general you not you specifically.0 -
My son has just turned 13 and he knows our situation. I think it does them good to realise that money is tight and hopefully it will help them manage their finaces when they are older0
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Welcome from me too! Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️0
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