I'm back again - this time I'm terrified

iwanttobreakfree

Have to say I'm losing count what number time this is I've returned, I'm cross with myself that its come to this yet again.

Well I've made things even worse - debt up to my eyeballs and I'm trying desperately to cover my tracks so that everyone isn't disappointed in me - thankfully my partner knows how bad things are but my family doesn't. They'd kill me. I was warned last time that enough is enough but as per usual I just don't learn.

I dont have enough money to pay my bills and I'm working must be about 50+ hours a weeks trying to make ends meet. I'm exhausted, I'm miserable and I'm not getting anywhere with my debt. I don't even have enough money per month to buy food for myself so debts are having to go unpaid just so I can eat. I don't know what to do.

I used to be quite organised with my finances - I always knew my bank balance and I had a plan for what money went where and I managed perfectly fine but for the last few years I have just slowly gotten more and more out of control - no matter what I try I just can't control my finances which strikes me as bizarre considering I used to manage it no problem.

I'm just not sure what to do but I guess I felt like posting something on here would make a start at least.

Sorry for rambling on!

Sharon87

Can you post your SOA please? To see what your situation is like.

iwanttobreakfree

Sure but it might take me a while!

iwanttobreakfree

Do I include my debt repayments to credit cards in this or not? Do they just get listed as a total afterwards as obviously I need to plough as much into them as I can (which aint much to be honest!).

Its been so long I've forgotten it all!

pinkneonmartini

Yeah, include EVERYTHING!!! and try not to panic

doodledo_2

Hi and welcome back.

Well done for recognising that you are having problems again and for coming back here. It's hard to admit when we have gone wrong again so I know how hard that alone must have been.

The best place to start as I'm sure you know is to post your current SOA and be 100% honest in all respects.

You can sort this, like MArtin says no debt can not be sorted and most importantly stick around. The people on here can get you through this.

doodledo_2

http://www.makesenseofcards.com/soacalc.html

Linky to a SOA calculator which you can then copy and paste on to here.

lyric_grace

Hi, First off get a cup of tea and calm down. It'll be alright, everyone here is here to help you and know how you feel. Take your time with an SOA and try to include everything. Big hug xxxx

slig

I think the form allows you to enter the minimum payments then at the end tells you how much you have left (hopefully) for debt repayments.

Are there certain triggers you can identify that make you fall off the wagon? (Eg spending cos you're sad, buying things online because you're bored, making one mistake then blowing the whole budget.) If there are, perhaps try writing your warning signs down on a post it and keep it in your purse or diary or on your computer, then when you notice them happening again you can hop back on this site straight away and tell us and we can get you back on track!

sammy115

Hi mate! Don't worry but slig has a point. It may be worth asking for help from a counselling point of view...you may have a problem in some area that requires some help figuring it out.

Alternatively you could try keeping some kind of diary not only of your spending but also of your feelings when you are spending.

dancingfairy

Would definitely agree - you are either missing something(s?) out of your soa and deluding yourself, not managing to stick to your budget as you are being unrealistic or there is something else going that is causing you to spend madly - what do you think is causing the problems? are you having relationship problems? being bullied at work? you need to identify what is throwing you off track as the op's have said.
Perhaps you need to get some specialist counselling or have you got a supportive doctor?
df