Help!!!!!!

spartan59

I've been juggling my finances for far too long!!

I really can't keep this up for much longer,

I have about 5 yrs left on a £25000 loan so 20000ish left to pay on this. £367 a month.

£2500ish left on virgin cc making £100 a month payments on that
£2500ish on egg cc making £100 a month payments on that
£1500 on natwest making min pay on that

It doesn't help work has messed up my pay for the last 2 months so waiting for them to sort that out so hopefully a lump sum in my pay packet next month but I am not holding my breath!!!

Gf is due in a month. So 4 kids!!!

Gf only knows about Loan and Natwest cc. She would hit the roof over other cc but they built up during my separation from ex wife but divorce is due next month!!! GF has around £10000 loan herself.

We currently rent out our house and rent a place ourselves, this is due to temporary job reloctation and we will be moving back to our house next year, we pretty much break even between rental income and rental outgoings

The problem is gf expects me to stump up my share with regards to shopping , household bills etc but my money is stretched just paying my own out goings.

She is obviously in a very emotional state at the moment so i don't think this news would help the situation,

Any ideas?? Believe me I have sold everything I have on ebay!!!!

wendy_ann1983

Can you post an SOA? can look at incomings and outgoings properly then.

Seaxwyn

Welcome Spartan! And congratulations on the impending baby.

And don't despair - you have made a great first step posting here and from now on, the only way is up!

Why not do as Wendy Ann suggests - post up your Statement of Account (see the 'Advice for Newbies' thread at the top of the Debt-Free Wannabe forum). People on here are great at spotting ways to cut costs or stretch things further.

spartan59

We have a joint account and GF earns a good wage

My account

Income after tax £1900 ( if bloody work pays me!!!)

Out goings

Loan £367
Virgin £100
Morgan £ 100
Natwest £25ish
Maintance ( 2 kids) £450 ( vol agreement)
Ins £34 ( car)
Ins £18 ( accident need for work)

Total out £1094 the rest goes into joint account.

spartan59

I put around £800 in our joint account

I have everything as cheap as possible, utilites etc

I think it is the way we spend our disposible income that is the problem, obviously food shopping is expensive now but I still manage to keep the bills around £80 a week but GF is outragous a couple of weeks ago she spent £150 on a weeks shopping!!! and I couldn't even see what she had bought extra!

spartan59

any ideas for earning more money??

I have tried surveys etc but they are few and far between and it would take years to build up any money

What are clicks??
What is quidco and how does that work?

spartan59

How do you control a beautiful girl with expensive tastes???

Why is it that when you don't need it trouble always comes? MOT / car tax and work mucking up your pay all in the same month!!!!