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  • FIRST POST
    • mandyappleorange
    • By mandyappleorange 9th Mar 17, 2:53 PM
    • 7Posts
    • 4Thanks
    mandyappleorange
    Feeling unsettled about our debts
    • #1
    • 9th Mar 17, 2:53 PM
    Feeling unsettled about our debts 9th Mar 17 at 2:53 PM
    Last year my husband and I moved into a new house. It needed loads of work doing to it. We decided to borrow in the form of loans and credit cards to fund the work. We also consolidate some existing debts and changed our car. In hindsight, we took on too much. We have been paying back the debts since Nov 2016 and have managed fine. We have stuck to a reasonable budget and on a month to month basis, the debt is manageable, despite the level ( see SOA).

    I have recently discovered this forum and have developed a real urge to clear this debt asap. I am even wondering if we should sell the house and buy something smaller, take the profit and pay everything off. My husband is not up for that idea, and is quite happy with our current situation. My main worry is that we would be in a real mess should one of lose our jobs.

    We do have a bit of money 'spare' at the end of month which is why we are building a small savings pot ( see SOA).

    ousehold Information[/b]
    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2

    Monthly Income Details

    Monthly income after tax................ 1850
    Partners monthly income after tax....... 2997
    Benefits................................ 130
    Other income............................ 0
    Total monthly income.................... 4977


    Monthly Expense Details

    Mortgage................................ 758
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 120
    Electricity............................. 35
    Gas..................................... 70
    Oil..................................... 0
    Water rates............................. 40
    Telephone (land line)................... 20
    Mobile phone............................ 30
    TV Licence.............................. 14
    Satellite/Cable TV...................... 25
    Internet Services....................... 20
    Groceries etc. ......................... 350
    Clothing................................ 50
    Petrol/diesel........................... 150
    Road tax................................ 20
    Car Insurance........................... 50
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 100
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 10
    Buildings insurance..................... 30
    Contents insurance...................... 20
    Life assurance ......................... 35
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 10
    Entertainment........................... 150
    Holiday................................. 100
    Emergency fund.......................... 0
    Total monthly expenses.................. 2257



    Assets

    Cash.................................... 3500
    House value (Gross)..................... 2780000
    Shares and bonds........................ 0
    Car(s).................................. 8500
    Other assets............................ 0
    Total Assets............................ 2792000



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 170000...(758)......0
    Total secured & HP debts...... 170000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    my loan........................25000.....506.......3. 3
    husband loan...................25000.....382.......4.9
    halifax cc 41 mnths 0..........12000.....200.......0
    creation CC....................5500......55........0
    barclaycard 6.9% ..............18000.....400.......6.9
    Total unsecured debts..........85500.....1543......-



    Monthly Budget Summary

    Total monthly income.................... 4,977
    Expenses (including HP & secured debts). 2,257
    Available for debt repayments........... 2,720
    Monthly UNsecured debt repayments....... 1,543
    Amount left after debt repayments....... 1,177


    Personal Balance Sheet Summary
    Total assets (things you own)........... 2,792,000
    Total HP & Secured debt................. -170,000
    Total Unsecured debt.................... -85,500
    Net Assets.............................. 2,536,500



    I just sudddenly feel uncomfortable with it all.
Page 1
    • StopIt
    • By StopIt 9th Mar 17, 3:05 PM
    • 486 Posts
    • 419 Thanks
    StopIt
    • #2
    • 9th Mar 17, 3:05 PM
    • #2
    • 9th Mar 17, 3:05 PM
    Ooh, my first SOA critique!


    Comments in red, firstly, it doesn't look unfixable, just needs some determination and as long as the SOA is accurate you'll be OK.


    Last year my husband and I moved into a new house. It needed loads of work doing to it. We decided to borrow in the form of loans and credit cards to fund the work. We also consolidate some existing debts and changed our car. In hindsight, we took on too much. We have been paying back the debts since Nov 2016 and have managed fine. We have stuck to a reasonable budget and on a month to month basis, the debt is manageable, despite the level ( see SOA).

    I have recently discovered this forum and have developed a real urge to clear this debt asap. I am even wondering if we should sell the house and buy something smaller, take the profit and pay everything off. My husband is not up for that idea, and is quite happy with our current situation. My main worry is that we would be in a real mess should one of lose our jobs.

    We do have a bit of money 'spare' at the end of month which is why we are building a small savings pot ( see SOA).

    ousehold Information[/b]
    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2

    Monthly Income Details

    Monthly income after tax................ 1850
    Partners monthly income after tax....... 2997
    Benefits................................ 130
    Other income............................ 0
    Total monthly income.................... 4977


    Monthly Expense Details

    Mortgage................................ 758
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 120
    Electricity............................. 35
    Gas..................................... 70
    Oil..................................... 0
    Water rates............................. 40
    Telephone (land line)................... 20
    Mobile phone............................ 30
    TV Licence.............................. 14 (£12.12?)
    Satellite/Cable TV...................... 25
    Internet Services....................... 20
    Groceries etc. ......................... 350 (Can Be Squeezed by at least £100 PM)
    Clothing................................ 50
    Petrol/diesel........................... 150
    Road tax................................ 20
    Car Insurance........................... 50
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 100
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 10
    Buildings insurance..................... 30 (Along with contents looks high, try getting some quotes for next renewal)
    Contents insurance...................... 20
    Life assurance ......................... 35
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 10
    Entertainment........................... 150 (Must be cut for now I'm afraid)
    Holiday................................. 100
    Emergency fund.......................... 0 (Something needs to be here)
    Total monthly expenses.................. 2257



    Assets

    Cash.................................... 3500
    House value (Gross)..................... 2780000 (Is this correct, 2.8 million?)
    Shares and bonds........................ 0
    Car(s).................................. 8500
    Other assets............................ 0
    Total Assets............................ 2792000



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 170000...(758)......0
    Total secured & HP debts...... 170000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    my loan........................25000.....506.......3. 3
    husband loan...................25000.....382.......4.9
    halifax cc 41 mnths 0..........12000.....200.......0
    creation CC....................5500......55........0
    barclaycard 6.9% ..............18000.....400.......6.9
    Total unsecured debts..........85500.....1543......-



    Monthly Budget Summary

    Total monthly income.................... 4,977
    Expenses (including HP & secured debts). 2,257
    Available for debt repayments........... 2,720
    Monthly UNsecured debt repayments....... 1,543
    Amount left after debt repayments....... 1,177


    Personal Balance Sheet Summary
    Total assets (things you own)........... 2,792,000
    Total HP & Secured debt................. -170,000
    Total Unsecured debt.................... -85,500
    Net Assets.............................. 2,536,500



    I just sudddenly feel uncomfortable with it all.
    Originally posted by mandyappleorange

    If you're able to make some savings, pay off the BC ASAP etc, you'll be in a better position. It sounds like a lot of money, but you've got potentially £30k/year to pay £85k of debt, so with some fiscal discipline you can be debt free easily within 4 years.


    Good luck!
    • DCFC79
    • By DCFC79 9th Mar 17, 3:17 PM
    • 29,358 Posts
    • 18,562 Thanks
    DCFC79
    • #3
    • 9th Mar 17, 3:17 PM
    • #3
    • 9th Mar 17, 3:17 PM
    Looks like you have just over a thousand left once everythung is paid ? Guess you dont as you wouldnt have posted here I guess.

    You list 2 cars but nothing under MOT.

    Do you need 2 cars ?
    Je Suis Charlie
    • EssexHebridean
    • By EssexHebridean 9th Mar 17, 3:19 PM
    • 7,302 Posts
    • 38,552 Thanks
    EssexHebridean
    • #4
    • 9th Mar 17, 3:19 PM
    • #4
    • 9th Mar 17, 3:19 PM
    Welcome to your LBM! Comments in red as usual...


    Household Information
    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2

    Monthly Income Details

    Monthly income after tax................ 1850
    Partners monthly income after tax....... 2997
    Benefits................................ 130
    Other income............................ 0
    Total monthly income.................... 4977


    Monthly Expense Details

    Mortgage................................ 758
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 120
    Electricity............................. 35
    Gas..................................... 70 Turn the thermostat down a degree or two...
    Oil..................................... 0
    Water rates............................. 40
    Telephone (land line)................... 20
    Mobile phone............................ 30
    TV Licence.............................. 14 Have you already posted this SOA elsewhere? This is the second £14 I've seen in a few days! Should be £12.12
    Satellite/Cable TV...................... 25
    Internet Services....................... 20
    Groceries etc. ......................... 350 You could drop this a bit - do you currently cook from scratch? Try Martin's Downshift challenge to get rid of branded or premium products, and get to know your local Aldi or Lidl if you have one
    Clothing................................ 50 Cut to essentials only for a while
    Petrol/diesel........................... 150
    Road tax................................ 20 Do you actually pay this monthly? If so switch to annual - monthly costs a premium. If you already pay annually then you need a separate account to stash this away to avoid it getting frittered - same with car maintenance budget.
    Car Insurance........................... 50
    Car maintenance (including MOT)......... 0 You need something here - and now I'm even more sure I've seen this SOA before... We currently budget £160 a month to cover both our cars for servicing, MOT, depreciative costs, tax & insurance.
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 100
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 10
    Buildings insurance..................... 30
    Contents insurance...................... 20 This is steep - check the comparison sites. Also consider making it an annual payment rather than monthly to save on the extra charge.
    Life assurance ......................... 35
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 10
    Entertainment........................... 150
    Holiday................................. 100
    Emergency fund.......................... 0
    Total monthly expenses.................. 2257



    Assets

    Cash.................................... 3500
    House value (Gross)..................... 2780000
    Shares and bonds........................ 0
    Car(s).................................. 8500
    Other assets............................ 0
    Total Assets............................ 2792000



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 170000...(758)......0
    Total secured & HP debts...... 170000....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    my loan........................25000.....506.......3. 3
    husband loan...................25000.....382.......4.9
    halifax cc 41 mnths 0..........12000.....200.......0
    creation CC....................5500......55........0
    barclaycard 6.9% ..............18000.....400.......6.9
    Total unsecured debts..........85500.....1543......-



    Monthly Budget Summary

    Total monthly income.................... 4,977
    Expenses (including HP & secured debts). 2,257
    Available for debt repayments........... 2,720
    Monthly UNsecured debt repayments....... 1,543
    Amount left after debt repayments....... 1,177
    Do you actually have this surplus?

    Personal Balance Sheet Summary
    Total assets (things you own)........... 2,792,000
    Total HP & Secured debt................. -170,000
    Total Unsecured debt.................... -85,500
    Net Assets.............................. 2,536,500



    I just sudddenly feel uncomfortable with it all.
    Originally posted by mandyappleorange
    You have a doppleganger on here - someone posted almost exactly the same SOA as you a few days ago!

    You've got a decent surplus showing, so fiurst you need to makie sure you actually have that money and it's not getting frittered away. Spending diary, and a month to actually make this budget work and tweak where needed, plus separate savings accounts for car costs, holiday budget etc would be a good start I'd say. with your incomes it is madness that you're paying extra for paying things monthly - switch to paying annually and budgeting for the next year where you can.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£373.02
    • StopIt
    • By StopIt 9th Mar 17, 3:22 PM
    • 486 Posts
    • 419 Thanks
    StopIt
    • #5
    • 9th Mar 17, 3:22 PM
    • #5
    • 9th Mar 17, 3:22 PM
    Welcome to your LBM! Comments in red as usual...



    You have a doppleganger on here - someone posted almost exactly the same SOA as you a few days ago!

    You've got a decent surplus showing, so fiurst you need to makie sure you actually have that money and it's not getting frittered away. Spending diary, and a month to actually make this budget work and tweak where needed, plus separate savings accounts for car costs, holiday budget etc would be a good start I'd say. with your incomes it is madness that you're paying extra for paying things monthly - switch to paying annually and budgeting for the next year where you can.
    Originally posted by EssexHebridean

    Plot Twist, the other SOA was the OP's Partner.
    • EssexHebridean
    • By EssexHebridean 9th Mar 17, 3:49 PM
    • 7,302 Posts
    • 38,552 Thanks
    EssexHebridean
    • #6
    • 9th Mar 17, 3:49 PM
    • #6
    • 9th Mar 17, 3:49 PM
    Plot Twist, the other SOA was the OP's Partner.
    Originally posted by StopIt
    If that's for real then they need to get their heads together as while there were similarities, I'm pretty sure there were some differences, too!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£373.02
    • enthusiasticsaver
    • By enthusiasticsaver 9th Mar 17, 6:57 PM
    • 3,554 Posts
    • 6,210 Thanks
    enthusiasticsaver
    • #7
    • 9th Mar 17, 6:57 PM
    • #7
    • 9th Mar 17, 6:57 PM
    At that level of unsecured debt I think you need to get on top of this without delay and yes I would feel uncomfortable with that amount of unsecured debt too. The problem with taking out unsecured loans and credit cards, then consolidating is that £20k of debt quickly turns into £85k as yours has. If one of you lost your job or was unable to work for any reason then this could be a tipping point. I think however on your good income and provided you decide to stop borrowing this is fixable without selling and downsizing.

    The soa looks ok but you need something in car maintenance. I am guessing the £3500 cash is your emergency fund which is good. If you can resign yourself to paying £2k minimum per month towards the debt then you would be clear in less than 4 years. The interest rates are good but obviously if you could get that £18k on your Barclaycard on to a 0% card then this would be better. I would target the Barclaycard first then the creation then Halifax.
    Debt and mortgage free and saving for early retirement
    • mandyappleorange
    • By mandyappleorange 10th Mar 17, 8:47 AM
    • 7 Posts
    • 4 Thanks
    mandyappleorange
    • #8
    • 10th Mar 17, 8:47 AM
    • #8
    • 10th Mar 17, 8:47 AM
    Looks like you have just over a thousand left once everythung is paid ? Guess you dont as you wouldnt have posted here I guess.

    You list 2 cars but nothing under MOT.

    Do you need 2 cars ?
    Originally posted by DCFC79
    Hi,

    We do have around that amount of money left. This is why we have managed to accrue a but of savings in recent months. I am not posting because we feel we can't pay, it's more just a case of me panicking after seeing it all in black and white.
    • mandyappleorange
    • By mandyappleorange 10th Mar 17, 8:49 AM
    • 7 Posts
    • 4 Thanks
    mandyappleorange
    • #9
    • 10th Mar 17, 8:49 AM
    • #9
    • 10th Mar 17, 8:49 AM
    Plot Twist, the other SOA was the OP's Partner.
    Originally posted by StopIt

    Ha ha, there is little chance of my partner posting on here! He doesn't even know how to logon!
    • StopIt
    • By StopIt 10th Mar 17, 8:56 AM
    • 486 Posts
    • 419 Thanks
    StopIt
    Hi,

    We do have around that amount of money left. This is why we have managed to accrue a but of savings in recent months. I am not posting because we feel we can't pay, it's more just a case of me panicking after seeing it all in black and white.
    Originally posted by mandyappleorange

    In that case, honestly don't worry. If you over-pay etc and make a few tweaks as suggested to your monthly budget, you can easily be Debt Free within 4 years. It is scary sometimes seeing things in black and white, but you guys look like you've had your LBM, and your situation is very much fixable. If you can get a balance transfer for the BC, all the better but if not, just overpay the hell out of it before moving onto other debts.


    Also, I was 90% sure the post EH was referring to couldn't possibly be your partner, but my word wouldn't it have been funny if you had both had this LBM and ran here separately and concurrently!
    • ReadingTim
    • By ReadingTim 10th Mar 17, 9:58 AM
    • 1,583 Posts
    • 2,253 Thanks
    ReadingTim
    My main worry is that we would be in a real mess should one of lose our jobs.
    Originally posted by mandyappleorange
    Ultimately it's up to you to make a judgement call on how likely it is that that will happen; and if it does, how long it might take to find another. Lots of things could happen - it doesn't mean that they will happen. You could be hit by a bus tomorrow - doesn't mean you will.
    • Money Rollercoaster
    • By Money Rollercoaster 10th Mar 17, 10:56 AM
    • 246 Posts
    • 595 Thanks
    Money Rollercoaster
    I think you've got too many zeros on your house value and consequently on your net assets ...


    Unless your house really is worth £2.8m ...
    Living Life @ 174 BPM >> CC Balance (0%) -£3,565.99 - Target DFD Dec 2017 >> Loan (Car) (3.1%) -£19,803.74 - Target DFD Nov 2020
    • mandyappleorange
    • By mandyappleorange 10th Mar 17, 12:55 PM
    • 7 Posts
    • 4 Thanks
    mandyappleorange
    I think you've got too many zeros on your house value and consequently on your net assets ...


    Unless your house really is worth £2.8m ...
    Originally posted by Money Rollercoaster
    Sorry...it's 280K
    • mandyappleorange
    • By mandyappleorange 10th Mar 17, 12:56 PM
    • 7 Posts
    • 4 Thanks
    mandyappleorange
    Ultimately it's up to you to make a judgement call on how likely it is that that will happen; and if it does, how long it might take to find another. Lots of things could happen - it doesn't mean that they will happen. You could be hit by a bus tomorrow - doesn't mean you will.
    Originally posted by ReadingTim
    I think that it is very unlikely that either of us would lose our jobs but you never know!

    My husband has a much more relaxed attitude towards it than me. He thinks that we are not adding to the debts, it's reducing each month and life is fine, therefore nothing to worry about. Perhaps I need to be more like him
    • Money Rollercoaster
    • By Money Rollercoaster 10th Mar 17, 1:49 PM
    • 246 Posts
    • 595 Thanks
    Money Rollercoaster
    I can see your husband's point of view, but I have more sympathy for yours.

    As well as scrutinising your budget and trimming costs you need to bear in mind that you are probably in a position where your ability to move debt around (to better offers) is limited. So, with that in mind, you definitely need to keep an eye on how you allocate your debt repayments.

    Take for example your Halifax CC ... at £200 a month, you're only going to have cleared 2/3 of the £12k debt before the offer expires, so you'll have to find a new home for the remaining £4k or accept higher interest rates on that debt when month 42 comes around ...

    The Barclaycard is on 6.9% for life (presumably). Again, you could really do with finding a new home for that too, but £18k would be a big balance to move ...

    The Creation CC ... the best 0% deal they advertise is 12 months and their standard APR is 18.9%. At £55, you're stroking the debt, not beating it into submission. If you can't move that debt and it gets stuck at standard APR, it'll probably cost you £40 in interest, monthly ...

    The mortgage is another factor, if you're on a deal, what happens when that expires? How does your credit history look? Will you be limited to the SVR or a renewal with your existing lender? Given that you borrowed to pay for house renovations, you probably would have been better remortgaging to include additional borrowing for that and then overpaying on the mortgage to reduce the debt. Your mortgage company, at renewal, might even suggest the same ...


    Anyway, having prepared your SOA, your next step might be to look at the snowballing method to prioritise your debt repayments ...


    http://www.stoozing.com/calculator/snowball-calculator.php

    Good on you though, you've had a moment of clarity, which is a good thing. I think you need to absolutely maximise this opportunity to look at everything, how you live, what you spend and how you pay to give you the best chance of squaring your finances up for good.
    Last edited by Money Rollercoaster; 10-03-2017 at 2:07 PM.
    Living Life @ 174 BPM >> CC Balance (0%) -£3,565.99 - Target DFD Dec 2017 >> Loan (Car) (3.1%) -£19,803.74 - Target DFD Nov 2020
    • ReadingTim
    • By ReadingTim 10th Mar 17, 3:02 PM
    • 1,583 Posts
    • 2,253 Thanks
    ReadingTim
    I think that it is very unlikely that either of us would lose our jobs but you never know!

    My husband has a much more relaxed attitude towards it than me. He thinks that we are not adding to the debts, it's reducing each month and life is fine, therefore nothing to worry about. Perhaps I need to be more like him
    Originally posted by mandyappleorange
    No, you never know for certain. But based on your experience of the past and expectations for the future, you can form a judgement upon which it' reasonable to base spending and borrowing decisions.

    You think it's unlikely you'll lose your jobs. Your debt is decreasing. It is therefore unlikely that your debt will stop decreasing, so what's the point worry about it?

    If you'd like something to worry about, may I suggest Brexit, Donald Trump, global warning, alien abduction, Vladimir Putin, or the removal of Daily Milk chocolate in Creme Eggs? The liklihood of something bad happening in respect of any of these is more likely than you are to get into difficulties....
    • mandyappleorange
    • By mandyappleorange 10th Mar 17, 3:11 PM
    • 7 Posts
    • 4 Thanks
    mandyappleorange
    Thanks RT!

    I know that I overthinking it! I just want to see these balances dropping
    • ani*fan
    • By ani*fan 12th Mar 17, 5:11 PM
    • 1,462 Posts
    • 3,497 Thanks
    ani*fan
    Hi there

    I didn't want to read and run, but just to say your income and budget looks good so there's no reason why you can't have a good go at paying off this debt quickly.

    In contrast to this opinion...


    You think it's unlikely you'll lose your jobs. Your debt is decreasing. It is therefore unlikely that your debt will stop decreasing, so what's the point worry about it?
    Originally posted by ReadingTim
    I think your debt definitely is worth worrying about. If there is no sense of urgency with your OH then you need to instill some. The reason you are feeling unsettled is because this situation is precarious, one of you might lose your job, you might get pregnant again, whatever, life happens and you have absolutely no back up plan. It is not unlikely that your debt can go up, you must have been really very good at making debt go up to reach £85k unsecured, this forms habits and behaviour patterns that are hard to change. They do need to change though and as yet you haven't shown that the changes are sustainable.

    I think you can do it but it's hard. Just some thoughts. Best of luck.
    If you know you have enough, you're rich.
    • monochome_blue
    • By monochome_blue 12th Mar 17, 5:21 PM
    • 29 Posts
    • 23 Thanks
    monochome_blue
    I've always had the view that the source of your debt really matters. It sounds like yours comes from investing in a property, which presumably will be reflecting in its value? If so this is very, very different to generating £85k in debt by simply overspending.

    Others will have a different view and of course you should do disciplined in making sure you reduce it as fast as realistically possible in case something bad happens, but if I was in your situation I certainly wouldn't panic.
    • bobcat2
    • By bobcat2 12th Mar 17, 5:26 PM
    • 57 Posts
    • 67 Thanks
    bobcat2
    2.5 mil net assets looks pretty good!
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