Feel like ending it all

sportage1kia

Hi there
Just happen to see your thread. Firstly there are loads of people in your position with some kind of debt. I felt the same last year when I lost my partner, but apart from other organisations I would reccomend National Debt-line who are brill over the phone and will ease your mind and take you through a budget sheet which you can print off, they will also try to guide you with any problems you may ask, or if you prefer one-2-one try your local CAB they are also useful, so please stop worrying and wish you the best of luck.
Regards

Droopyk

font=courier new]Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1150
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1150

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 300
Management charge (leasehold property).. 0
Council tax............................. 105
Electricity............................. 40
Gas..................................... 45
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 20
Mobile phone............................ 60
TV Licence.............................. 12
Satellite/Cable TV...................... 18
Internet Services....................... 20
Groceries etc. ......................... 220
Clothing................................ 10
Petrol/diesel........................... 25
Road tax................................ 10
Car Insurance........................... 18
Car maintenance (including MOT)......... 15
Car parking............................. 3
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 28.99
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5
Haircuts................................ 5
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 989.99

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

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................13800.....300.......27.9
Barclaycard....................6800......150.......27.9
Mbna...........................5500......125.......27.9
Bank Overdraft.................2000......0.........0
Nationwide.....................9700......280.......19.9
Total unsecured debts..........37800.....855.......-

Monthly Budget Summary
Total monthly income.................... 1,150
Expenses (including secured debts)....... 989.99
Available for debt repayments........... 160.01
Monthly UNsecured debt repayments....... 855
Surplus(deficit if negative)............ -694.99

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total Secured debt...................... -0
Total Unsecured debt.................... -37,800
Net Assets.............................. -37,800

Droopyk

Hi Everyone...

I have posted a SOA. not 100% sure if all expenses are listed, still taking stock.

The idea of the totals are not pleasant reading..

I cannot get rid of the car due to work, and also my wifes failing health, i do not drink or smoke... and am locked into the mobile contracts for another 10 months.

My only release is the satelight tv, but only have the bare minimum i can have.

Any ideas will be greatly welcomed, thanks

amyandjon

Hi im only junior with advice so other people will be along with more help, but at a galnce, do you have sky tv ?? if so you canget free broadband or get the whole phone tv and broadband for 17 quid as advertised.... your shoppingbill seems high for one person have you thought about shopping at aldi its so cheap and the foods yum im saving us some good cash, also some of the supermarkerts have some good deals on fruit and veg 5 p etc ... mobile phone hand the phone back and cancel the contract....... could you maybe move back in with parents for abit ? dont be disheartend things will work out keep posting keep positive ebay items do odd jobs do overtime do what you can but keep trying things always come full circle ........ hugs xx

Steel_2

As your wife is in poor health and isn't working (is that right?), is she claiming any benefits?

Aso how many animals do you have and is their feed costs included in your grocery total?

byebyekitty

Hi Droopyk,

It doesn't look like there is anything extravagant in your budget - the only suggestion I have is maybe contacting your mobile supplier to see if they can put you on a slightly cheaper tariff, without cancelling the contract?

Also, please consider giving one of the debt charities a call (CCCS, CAB or National Debtline.)

And finally, I don't care how much you owe - your life is so much more important than any debts you have.

Take care and good luck.

xxx

Steel_2

I've added some ideas in red, but really you need to find a way to get your income up, either by extra work or finding out if your wife's ill health entitles you to any benefits. If you are caring for her as well as working you might be entitled to something. this is beyond my knowledge but there will be others on this board who will know.

Droopyk wrote: »

font=courier new]Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1150
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1150

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 300
Management charge (leasehold property).. 0
Council tax............................. 105
Electricity............................. 40 (if you haven't yet done it, go round your house and switch off everything on standby and with a digital clock display to bring this down a little.)
Gas..................................... 45 (this is a little high for the two of you if it's based on the summer months. Are you well insulated? What are you bills during the winter?)
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 20 (you might be able to get a better combined package for landline and broadband than the £40 a month you're currently paying for both)
Mobile phone............................ 60 (what sort of package do you have? Do you have free minutes or texts that could cut down your landline call charges?)
TV Licence.............................. 12
Satellite/Cable TV...................... 18
Internet Services....................... 20
Groceries etc. ......................... 220 (this can definitely come down. Hubby and I feed ourselves, 3 cats and 3 chickens on £120 a month. Do you have any ability to grow you own veg?)
Clothing................................ 10 (sorry to be cruel but this comes out unless there is something needed for your wife's failing health that comes under this category)
Petrol/diesel........................... 25
Road tax................................ 10
Car Insurance........................... 18
Car maintenance (including MOT)......... 15
Car parking............................. 3
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 28.99 (can you shop round for this and get it lower? I don't know how many animals you have or what they are though...)
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5
Haircuts................................ 5 (buy a set of £10 clippers and cut each other hair. I've been doing hubby's every two months for two years - at a saving of £10 a time. I have long hair so just a trim every now and then)
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 989.99

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

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................13800.....300.......27.9
Barclaycard....................6800......150.......27.9
Mbna...........................5500......125.......27.9
Bank Overdraft.................2000......0.........0
Nationwide.....................9700......280.......19.9
Total unsecured debts..........37800.....855.......-

Monthly Budget Summary
Total monthly income.................... 1,150
Expenses (including secured debts)....... 989.99
Available for debt repayments........... 160.01
Monthly UNsecured debt repayments....... 855
Surplus(deficit if negative)............ -694.99

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total Secured debt...................... -0
Total Unsecured debt.................... -37,800
Net Assets.............................. -37,800

ALIBOBSY

Steel- Thought we were the only ones cutting each others hair, I had it cut into a straight bob about 2 years ago and hubby just gives it a straight trim with the shaver every few months.
I also do the kids as well. We are 2 adults, 3 kids and live on around £50-£60 at most per week for food/drink.
Get over to old style boards and start cooking from scratch for yourselves
loads cheaper and healthier.

Good luck

ali x
ali

sportage1kia

Droopyk wrote: »

Hi Everyone...

I have posted a SOA. not 100% sure if all expenses are listed, still taking stock.

The idea of the totals are not pleasant reading..

I cannot get rid of the car due to work, and also my wifes failing health, i do not drink or smoke... and am locked into the mobile contracts for another 10 months.

My only release is the satelight tv, but only have the bare minimum i can have.

Any ideas will be greatly welcomed, thanks

Hi there
Like I have stated in my previous thread I would either give a debt charity a call like National Debt-line or call into your local CAB and they will try and help you, because you are not alone, there are people in the same position as you. Best of luck
Regards

doodledo_2

Hi and welcome to the forum.

Like others have said I would definately look into seeing if you are entitled to any benefits or help of any sort as your wife is unable to work due to illness.