New And wanna get started

piratess · 7 June 2006 at 10:06PM

Hey ive been reading bits on this site for a while now and have decided i need to get my finances back on track! ive been in debt since i was with me ex 15 years ago! he wasnt a great influence!

anyway Im in a new relationship and we both want a clean slate but cant see what spare cash we have at the end of the month ....

we pay all the utilities phone etc .. and food shopping which usually amounts to the most !

all in all debt wise i owe around 2,000 thats off the top off my head and wanted to know where to go from here as to getting started etc ???

total novice and just hope im posting in the correct place! xxx thanks xxx

LookingAhead · 7 June 2006 at 10:12PM

Hi piratess! :hello:

Welcome to the club.

First thing to do is post your SOA (Statement of Affairs) which shows ALL incomings & ALL outgoings.

The 'sticky' thread at the top of the DFW chat forum for new peeps will help.

Once we know what the score is....the advice can begin!

homersimpson_3 · 7 June 2006 at 10:21PM

all in all debt wise i owe around 2,000 thats off the top off my head and wanted to know where to go from here as to getting started etc ???

first rule of getting out of debt- know exactly how much money is coming in and where it's going- post statement of affairs (incomings and outgoings, savings, debts- amount, apr etc). if you don't know look at credit card statement etc or phone them and ask for information.

we pay all the utilities phone etc .. and food shopping which usually amounts to the most !

you'll be suprised on how much people on forum are able to save you.

total novice and just hope im posting in the correct place! xxx thanks xxx

yes you have posted it on right part of site and even if you post it in wrong part don't worry about it. one of mods just moves it to correct part or tells you where to post it. even the most experienced money savers still save money- it's a continual learning curve.