my soa

Burlesque_Babe

Sorry, but I'm ready to help even the most challenging of posters but I really don't think the OP is going to listen to anything any of us have to say and I don't think we'll get any kind of headway here.

laura-1984_2

i pay the intrest every month (my dd) then i pay another £100 maybe more if i have extra still dont see where your getting £10k. Can you show me the link with that info ?

patchwork_cat

I would like to pointout that I said I had my hair highlighted 4 times per year- not cut. If you have a longer style you don't need it cutting as often - you can take offense at my comments, but is it not as offensive or even more so to say yuck only have your hair cut 4 times per year. YES it is.

You asked for help, but are obviously not ready to change.

koopa_coffee

laura-1984 wrote: »

i dont understant where you get this £10k of debt from

That's the amount of debt you could be facing in a couple of years if you continue down the path you are heading, i.e. living beyond your means on luxuries.

Everyone would like to be able to spend as much as they like on nice things, the truth is that a lot of the time it's simply not viable and you have to consider what you can truly afford when weighed up with your total income vs your total outgoings and current debt.

Many people on this thread have tried to help you with good advice on where to cut back, unfortunately you don't want to listen. Not paying rent because your OH can afford to pay it all is only a short term solution. You need to look at the root cause of why you have debts if you want to tackle them now and make sure you don't get further into debt in the future.

Burlesque_Babe

sigh.........it wasn't an exact amount. It was a guesstimation based on your debt of £2200 and the kind of lifestyle you have and the income you bring in.

Call it £4k, £5, £8k, but it will increase unless the hair cuts and the Louis Vitton stop.

What happens if your OH loses his job? Or you fall pregnant?

laura-1984_2

well by my guesstimation i pay the instrest ie the dd roughly £40.00 can go up as well as down and the pay £100 towards the balance so if i pay the £100 a month which i do at the end of the year it will make a dent of £600 which reduced the balance to £1600.

laura-1984_2

unlikely he will loss his job and i cant have children

postingalwaysposting

laura-1984 wrote: »

I would hate to be as cheap as you.

We arnt cheap on this board, we mearly reduce our outgoings so our debt gets payed. Once your debt is payed you have one less outgoing and thus more money to spend on luxuary

laura-1984 wrote: »

im 25 it was my bday on monday

Well in that case you aren't a very good role modal for young people on this forum. You may be 25 but I think you really need to look at why you are here, your soa and your overall attitude. Once you have become a bit mature re-register and start posting again and we will gladly help :A

fermi

It's fine to have an opinion on someone's budget, but please cut out the name calling.

I thought DFW was better than that.

It says on every page: Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.

Burlesque_Babe

postingalwaysposting wrote: »

Well in that case you aren't a very good role modal for young people on this forum. You may be 25 but I think you really need to look at why you are here, your soa and your overall attitude. Once you have become a bit mature re-register and start posting again and we will gladly help :A

:T:T:T:T:T:T:T

Well said, that woman.