In the Lowest Hour

moneyonmymindsam · 8 February 2015 at 11:31PM

In the Lowest Hour..I wonder if I can get any lower.

Money ...

I'm so reliant
I'm so dependant
I'm such a fool

Sam Smith could have written that for me ..

Where do I start?? ..yes that's right by making a coffee ...and having a long hard look at everything ....

I know where I am but the denial and longing not to be in my current situation kicks in ...

Am I motivated ...not in the slightest ...

SOA going to make me feel sick ..pig sick ...

My mission is to log in everyday and get sorted ...anything has got to be better than this, I loathe myself and my situation that has got to change.

moneyonmymindsam · 8 February 2015 at 11:32PM

I don't have much to give but I don't care for gold ( I do ;-) )

What use is money when you just need to be held....

SOA on its way ...

Buffythedebtslayer · 8 February 2015 at 11:42PM

You do it and it is done. Knowing what you are dealing with is a lot easier than not knowing.

Everyone on this forum has sat where you have sat. It can be done and you will do it.

XXXXX

Buffythedebtslayer · 8 February 2015 at 11:43PM

meanwhile Virtual hugs XXX

moneyonmymindsam · 8 February 2015 at 11:49PM

My budget

Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 1700
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1700
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 350
Management charge (leasehold property).. 0
Council tax............................. 65
Electricity............................. 20
Gas..................................... 15
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 0
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 120
Clothing................................ 40
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 60
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 1
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 691

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
BC C1 .........................1000......22........0
C1 C2..........................275.......6.........0
Very...........................1500......55........0
FRIEND ........................225.......200.......0
SSL............................750.......390.......0
SL.............................500.......110.......0
AL.............................1000......60........0
Total unsecured debts..........5250......868.......-

Monthly Budget Summary
Total monthly income.................... 1,700
Expenses (including HP & secured debts). 691
Available for debt repayments........... 1,009
Monthly UNsecured debt repayments....... 868
Amount left after debt repayments....... 141
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,225
Net Assets.............................. -5,225

Buffythedebtslayer · 8 February 2015 at 11:57PM

I am rubbish at SOAs

but I hope you feel better for getting it out there.

perhaps sleep now? you know the worst and actually it doesn't look too bad.

I recommend

1. the oldstyle board - for food ideas
2. thinking about anything you can sell (and I do mean anything)
3. Any chance of promotion? or a second job? (that helped me loads)
4. deep breaths. It is ok.

XXX

bubblycrazy · 9 February 2015 at 12:09AM

This doesn't look scarily bad, you will get there!
Does the SOA seem accurate, do you have that much left at the end of a month?
You can cut down on your grocery spend with good meal planning.
When does the interest start on your debts?
x

moneyonmymindsam · 9 February 2015 at 12:11AM

The Good

Someone I Love very much

A lovely mum ...who deserves all the love I can give ..

The Bad

No Money

The Ugly

Debts ...

its going to be a long time until I get paid again

I am scrapping around my place for cash ...

I now have a bag full of change

To do ...

List on ebay

Get over stuff ...ist just stuff so needs to be sold...

Make sure I have travel Money for work then £5 a day for next 7 days

Make a list of food and toiletries and cleaning products ...

Make one day each week a treat day ..maybe like a Charity shopping day for clothes?? or books or DVD or something that makes me happy ..

or £land day ....to stock up on householdy things ..

I don't know ..? Maybe having that Saturday to shop will keep me on a level ...I am working 60 hrs a week 66 as they don't include lunch hours.. and am so tired yet I don't sleep for debts ...:(

I don't have a car so cant car boot ..:( maybe I could box up a lot of stuff and put on Gumtree or ebay as a car boot lot?

Yeah really looking forward to weirdo's coming to my home ...

I am loathed to sell the washing machine at this stage..

moneyonmymindsam · 9 February 2015 at 12:15AM

Thank you so much for being so lovely ..this is what I need to do ...just sick of feeling sick...its been a rough time for me.

I'd like to get things paid off just had a pay rise and working to the max

My biggest debt the £390 for the next two months has only two payments to make ... xxxx

moneyonmymindsam · 9 February 2015 at 2:39AM

Work out money for the month - remaining 155 - sold some ebay stuff and think about 15 will go on postage

My lists to make

Whats in my Food cupboard 09/02

What cleaning products do I have? 09/02

What toiletries do I have? 09/02

moneyonmymindsam · 9 February 2015 at 2:49AM

don't forget to pay ebay fees

In the Lowest Hour

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