seen the light but need help

briona

ellieshopaholic wrote:

afraid do nto know all my APR's you all must think i am really stupid.

It's not stupid not to know something! [certainly not as stupid as me thinking maintenance was a debt os some kind!!!]

On all your credit card statements there should be a summary box saying what interest was being paid each month – often around 1.x% [multiply by 12 to get the annual APR].

Re loans/overdrafts etc, just ring the banks/providers and ask them what the APR is!

Briona

rchddap1

Don't beat yourself up about this. You're not stupid...far from. The thick people are those that continue to try and muddle through by sticking their head in the sand. You've posted here, which is a very good first step in getting all of this sorted out.

lynzpower

as you might see here Ellie, we dont DO beating ourselves up about stuff!

Best of luck with it x

lynzpower

One thing I have noticed, Is that your husbands income isnt noted on your SOA ? What does he pay for in the home?

Bestthingsinlifearefree

Hi ellie,

Would it not be better to tell your husband about your debts and then you can try and tackle them together.

Do your total incomings include any income from your husband or is that included in there.

Surely as husband and wife your debts / savings are his and his debt savings are yours.

If you can join your finances and fight the debt together maybe that would help.

Murtle

lynzpower wrote:

One thing I have noticed, Is that your husbands income isnt noted on your SOA ? What does he pay for in the home?

all other bills are paid by my husband ie mortgage, car, petrol, utilities pensions other life insurance and isa who does not go out either this is

Do you need any of your money to live on or to buy things ie pressies etc

ellieshopaholic

husband pays
car loan nearly finsihed that so will be bette off by 182.00 next august
mortgage 180.
maintenance for his child 155.00 a month
gas bills £39.00
electric bills £39.00
pension £50.00
isa savings £25.00
life insurance £25.00
petrol £140 i work along way form home and i get the car he walks
car insurance £25.00
all the extras the children need for their sport clubs etc his paper each day £20.
sub total of outgoings 880.00
overdraft £800.00
he gets £1061.66 per month, so he is struggling too an dwe ahve cut down on everything he pays out for

ellieshopaholic

murtle answer
yes i pay for all birthdays, christmas,food,clothes hence all the debt on cards and catologues, we lost our cooker .lawn mower, hoover last year all bought on catologues

rchddap1

Have you checked your electric and gas provider?

lynzpower

Ah I see silly me- wasnt reading properly

Serves me right for trying to multitask! Not really on the ball today sorry again!