How do you cope with financial worry?

gailey_2

Well outcome of todays appointment with Lloyds

Bank branch helpful but no power to help
need to ring special department that deal with thsi matter to arrange repayment plan and give them detail expenditure soa!
Hopefully they will agree and wong go to debt recovery which could impact on credit score.

Anyoe else had this?

Decided to sell vespa
cut daughters nursury hours down
list more on ebay and set up website
get p/t job close 2 home for additional income

Will keep living costs to bare min and any extras plogh into devtssale of vespa will be large chuck!

Hubbys negative tonight that we dont own house and we in debt but if we took out 100%morgage with nothern rock we would be screwed as most of our mates struggling with increase and neg equity.
We have a 3year plan to clear debts which im hoping is realistic time frame.
Why 3 years

hubbys loan finishes then so extra £330 a month
hubbsy share save ends at worst 5grand or best 10grand!
3years give sus enough time hopefully to clear overdrafts and credit cards
hopefully we have more money coming in with salry increases and established business.

What drives me mad is hubby dont believe thats small things make diffrence
like carboots selling and buying
buying in sale
he think surveys waste of time
taht even tiny amounts of extra debt repaymnts can make a diffrence

news is doom and gloom so thats not making him feel any better.

Im trying not to worry
it can all be sorted
will try and remain postive and hope Lloys are sympathetic towards me.

gailey

LilacPixie

I cope by just focusing on one thing at a time and how that one thing fits in with the whole 'master plan'.

My current focus is meals. theory is if I can make our grocery shop as low as possible each week then not only are we eating reasonable meals but we are freeing up more money for debt payments.