Back again, tail fully between legs!!

Sea78 · 11 January 2007 at 10:47AM

Hi all,

Not sure if anyone will remember me - used to post a lot last year and was starting to make a big difference with the debt. however, I have moved up North and am working part time and up the proverbial creek BIG time.

The only way out now is with a remortgage which will cover some debt (we were lucky to get a fab deal on a run down house and have nearly finished it - in just 4 months!!) but need to get back in the budgeting/selling/every penny counts.

I haven't got internet at home - was going to get talk talk but have heard so many bad things, I'm not sure now. Might get dial up as that's quite cheap and then I'll be able to carry on with my ebaying, and amazon too.

Been getting quite a few ideas from some of the threads on here - it's lovely to see how everyone is doing and to read about all the updates with house moves and babies etc.

I'll try and get on more - need my fix now!

Will get my head around doing another SOA but to be honest, I'm really quite embarassed as have fallen off the wagon big time, and got myself into stupid long term deals like mobiles and the gym. Grrrrrr:mad:

Sea xx

immoral_angeluk · 11 January 2007 at 11:09AM

HI and welcome back! I've been on DFW since october and I can honestly say it's changed our lives! Sorry to hear you've had a rough time but we'll all give you a leg up back onto the wagon again!

SSB · 11 January 2007 at 11:42AM

Hi
Welcome back. We are not here to judge anyone, just to provide support. Well done for admitting that things are not going well, nothing to feel embarrased about. Good luck with your SOA.

charl8888 · 11 January 2007 at 11:43AM

Hi Sea

Now you're back on this site I'm sure you'll be making indentations in that debt double quick! Like you I have spent alot of money doing up a house and having only just got my head around paying it back. Having remortgaged before (twice) I didn't want to go down that route although it was tempting. I am also a part time worker but have been trying to work extra days to increase the income, ;luckily this is available where I work.

I signed up to talktalk and had a few initial problems. Now its fine 98% of the time and as its so cheap I will put up with it!!!!

Anyhow welcome back and don't forget the SOA!

Charl8888

lynzpower · 11 January 2007 at 11:49AM

do a new SOA, it helps to get your head straight

Sammz · 11 January 2007 at 11:52AM

Good luck!

Virgin have a £9.99 for broadband/local calls package. Only up to 1mb but that's better than dial up.

RoCas · 11 January 2007 at 11:53AM

Hi Sea - welcome back. Coming back to MSE is a great step in the right direction. Good luck.

moozie_2 · 11 January 2007 at 1:16PM

Hi Sea78 :wave:

Just wanted to say I remember you and I am really glad you found your way back!

Forget the blip you had - no point thinking about the what if this and what if that - and let's get on with the job at hand! Post a new SOA and I know no one will judge you for falling off the wagon. We will try to help in the best way we can, I promise

Don't delay another minute, you know you can do this as you did it before!

anniestar · 11 January 2007 at 2:52PM

Welcome back, don't be too hard on yourself. You WILL do it.

Sea78 · 11 January 2007 at 5:12PM

Thank you all for all the welcome backs...I know I shouldn't feel embarrassed, but I've buried my head so far in the sand and am worried about actually facing it all again.

I won't get a chance to read any responses til next week now, unless I manage to get on somewhere over the weekend.

We are having a terrible case of keeping up with the jones' as DH's family have all recently got a lot of money, through different situations and while this is great, the pressure to join them on little weekends away, or meals out is increasing. Must resist however!

SOA

OUTGOINGS:
Mortgage: 556.09
Childcare: child 1 208.54
2 150.00
House ins (to save includes contents & building) 20.00
Water Paid off til March then DD
NUT 8.16
TV 11.37
Gym: until august 07 37.50
British Gas Cover (used 3 times already!) 16.00
BT: (will be downgrading from next month) 15.00
Saving (xmas, but more likely needed for gas & elec) 20.00
Tmobile til feb 08 £35 me
Vodaphone til dec 07 £43 dh
Council Tax 112.00
Gas unknown as yet 30?
Electric unknown as yet 30?
Car ins to save 50
car tax 11
car main 25
Petrol 80
food (4- 2 adults, 2 kids inc nappies, baby milk, toiletriesetc) £200
Clothes/shoes 20
Haircuts etc don't happen
tumbletots/musical minis/dance class paid for by my wonderful mother!
Bdays/cards/gifts etc 10
Debt repayment cc 512
loans 639.22

Total Outgoings:
£2854.48

Incomings:
Me: 918
Dh: 1300 (can get more on overtime but off sick for another 3 weeks)
CB: 110
TC: 35 (earned more in last job so am still on this despite drop in salary)

IN: 2363

Difference:

-491.489 ARGHHHHHHHHHHHHHH
(will be less £124.05 ince Student Loan paid off in March)

Debts:

Credit Cards: Have been applying for better rates, but been turned down now my salary is so much less than it was.

HSBC 13.9% 7294.02 218.00
CITI 15.9% 4053.67 121.61
EGG 5.9% LOB 6307.40 120.00 ish
BARCLAYCARD 6.7% lob 2051.78 50.00

Loans:
Student 3.2% 248.10 or so mar07!! 124.05
GRADUATE LOAN 7.9% 7711.44 dec2008 350.52
LIVERPOOL VICTORIA 6.2% 6749.79 june2010 164.65

cc payments: 512
total: 19706.87

Loan payments: 639.22
Loans total: 14709.33

= 34416.20
+ 1500 O/D although not always on full - yes it charges, about £7.00 a month. Arghh again.
so=

£35916.20 total debt.

Was planning to pay off CC debt with remortgage as would be just about even then and budget, sell, overtime etc to get some money and also have applied for exam marking and am also looking into supply work when have free childcare on my free days as am part time!

Thanks for reading all this. I know.:(

Sea xx

James&Shell · 11 January 2007 at 5:25PM

Just wanted to say good luck and that i hope it all goe well for you.

James

Back again, tail fully between legs!!

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