Help needed - confused myself

moneymakestheworldgoround

Hi Bunnymad,

Many thanks for the comprehensive guide. I will re read this later and work through it. At the moment , I cant remember the last call I received from a creditor. I seem to be just juggling them, to the point of last chance letter, but I am seeming to please them all just. But I do agree I need to work out amounts I can afford.

Thanks for your kind words.

Bunny_Mad

You are very welcome.
hope it helps, it may sound complicated, but its really quick & easy really.
As you know, its not a case of juggling & trying to keep them all happy, as there WILL come a day when they all want a payment & you just cant do it. Better to set them all straight whilst they are 'happy' (to a degree!)
If you do it on a ProRata, you will be paying what you can afford at the moment & also getting the intrest/charges stopped for the meantime.
Once things improve you can review the payments to them again & start increasing payments & making headway towards clearing them.

Good luck & have a good weekend.

moneymakestheworldgoround

Had a completely anti dfw moment earlier. :mad:

Took an 18 ct gold diamond ring to a cash convertor type place who offered me £100. I sulked, walked out, drove halfway home and thought £100 is £100 quid !!

Now need to swallow pride and go back ( !) or go to the next town to another one. If I go back, I have a feeling the guy might offer me £70 just to show me who needs who !! And it would serve me right !

Need to think before I speak - will write that on my things to do list - Learn to engage brain.

Debtoxing

Have you checked whether you are entitled to Maternity Allowance? Don't look at that as a benefit as such - think of it as an addition to your child allowance. Honestly - it is well worth having!

L.
x

moneymakestheworldgoround

Hello again Debtoxing :cool:

Maternity Allowance - it rings a bell .

Now if memory serves me right ( would make a change) in order to receive Maternity Allowance, I need to stop work. The gov pays you to take a break ? I cannot stop the business for a month otherwise my regular customers would go elsewhere. No loyalty with this lot. So I dont think it would be appropriate. I would love to take the full MA time, but I dont think I would have a business to come back, and I'd have to start it all over again.

I am having a caesarian, so I will be able to work up to the night before, and apparently I can even take my laptop in to the hospital, so no break needed. Not sure if I can browse MSE whilst in the operating theatre though. I might ask.:rotfl:

But I will check all this out.

Hope you are well debtoxing. Was your son at school today ?

kissjenn

I may have missed this but when's the baby due?

moneymakestheworldgoround

Baby due Oct kissjen.