33 and in need of some info!!

missnokia

On one of my credit cards ive had loads and loads of charges, it is with capital one!!

I feel like i am able to focus more now i am on here, just need someone to make me check the online banking!

This world on the outside of this forum is full of judgemental people and its so hard! Everyone expects for me to live in a perfect little world with perfect finances buying all the perfect little things.

Quidco - dont like the site at all!!!! Will try Topcashback!! Thanks

chancer63

all those perfect people living their perfect lives don't exist missnokia! Most people live a lie of some kind in my experience. At least we are being brave and honest with ourselves and our virtual friends on here! Welcome- and click that button on the online banking! NOW!

sarahs999

Hi and well done for facing up. One thing - don't get fixated on your credit score, it doesn't mean anything. And certainly don't pay for it. Credit scores are what scoring agencies use internally; they don't necessarily use the same criteria as a bank or credit card company and so are a bit pointless.

sarahs999

You can however view your credit report for free using various tricks - that's much mroe useful!

missnokia

IVE DONE IT!!!!!! Ive logged onto my online banking!!! scrary though and lots of charges i think however its not as bad as what i originally thought!!!

Thank you all so much for encouraging me!!

chancer63

:T hey well done you! see you can get through with a little help from your friends :j

dylansmum

Yes - well done! Better to look!

doodledo_2

Hi and welcome to the forum.

Well done on facing your internet banking. You will find before long you will check it several times a day like us other MSE'rs lol

Good luck getting your SOA together. You will be amazed at the advice you will receive once you post it up.

It is scary but once its done its the start of a fab journey.

Good luck and keep posting

rubyslipper

I totally agree about not assuming everyone else is a financial wizard and has utter control over their money. Actually, if you're ever in a position to ask delicate questions you frequently discover most people have a few worries here and there!
I was always concerned about my parents finding out about my level of debt because to me they were, while not remotely 'wealthy', fairly together financially and able to afford household repairs/one holiday a year and so forth. However, since my LBM I've been really honest with them about it all and my dad has since revealed he's never really saved in his life and is literally starting to now (he's 65!), he's never contributed to a private pension and when us kids were young they were forced to borrow money from family occasionally to make ends meet.

I think it's great that you're on here and well done for facing up to the online banking! Get your SOA up when you get the chance and...well just chin up, really!

Ruby xx

missnokia

Good morning, well i think i have collected all the information and nothing will jump out at me!

All figures are monthly.

My income is £1238.50.

Outgoings:

My half of the mortgage - £360

Council Tax - £121.88

Electric £35 (Arrears of £70)

Gas £25 (Arrears of 40)

blackhorse loan £173.61 (statement states amount of credit £5648.19 at 24/10/07 current balance as at 31/03/09 £4761.23)the loan i got out was for £4000.

Natwest loan £79.45 (no ppi, loan finishes in aug 09 left to pay £476.70)

Assurant £13.65

Asdas car insurance £43.60

Auntie £200 (owe £2800 now)

Barclays credit card £90 (amount owing £4825) just over minimum payment

petrol £40

Aqua credit card £30 (owing £734)

capital one £26.31 (owing £498.10)

I also have a debt with littlewoods catalogue for £149.28, if i have left over money then i

Total amount left £0 - total debt £14354.31

partner pays rest of bills. this is just for me.:mad: