Hello! im new and need some help

Hay09

Hello, im new on here and have been reading through this for a while, and my situation is nothing compared to most of them on here, but just now i feel like im going to be like this forever and i hate it .

Ok so im 21, and was an idiot! it all started one chiristmas when i was struggling so i got a credit card, i then got another to pay it off in the hope id cut it up but i never....... so then got myself in approx 4,000 debt. I got a loan from my bank to pay them off and again stupidly never cut the cards up :(. So im not in approx 7,000-8,000 debt.
My o/h took a loan out to pay off one of my cards as i was paying about 70.00 a month and most of that was interest, i kind of regret it as now im struggling a LOT but i know it will be paid off within 2 years instead of still paying it when im dead..


I dont get a great wage and my bills are a lot . (wage approx 800.00 pm)

Loan - 150.57 a month
Credit card 1 - 45.00 a month
Credit card 2 - 15.00 a monrh
Loan 2 (o/h) - 100.00 a month.

I know this doesnt sound a lot but it is when i feel im geting no where. I also pay....

150.00 board money to parents.
20.00 Phone bill
25.00 insurance on car.
80-100 petrol a month (for work only)
approx 30 a month on dinner.

I dont smoke, i dont drink, im barely ever out at the min due to circumstances and if i am i make sure it doesnt cost anything! but i do have a hobby that costs a bit..... i have pets!! mainly rabbits (7). They dont cost a lot themself but vet bills do. Some months im nothing, other months i am. Normally between vet/food etc im about 100 a month. Now i KNOW everyone is going to say get rid of them but i really cant... they are my life. And when im out of debt id manage them no bother what so ever.

I just do not know what to do. I feel im getting nowhere paying bills with interest etc... any advice will be greatly appreciated!!

I dont really buy clothes every month, maybe a couple of things every few months, the clothes i have are fine so the way i see it whats the point buying more? i dont pay up my car as i paid it outright so thats fine. etc so really i could be spending a lot more but i think im pretty good with not spending on crap.

When i go out with mates or my boyfriend i keep it limited to basically nothing.
Think i have giving all information really.

I am ok off as even though every month i run out of money half way through i manage, i just dont see myself ever getting rid of these bills. I want a house with my boyfriend but theirs no chance while i have all this on my shoulders.

I keep blabbing so will stop.......

Oh yeh and i have cut up one of my credit cards!!! just need to do other

BeautyandtheBeast_3

hi,
i have pets as well but whats this £100 per month on vets bills - are you paying insurance are your rabbits really poorly.
also have you thought about getting a virgin CC 0% for 16 months with a flat minimum payment of £25 per month.

Jedilibrarian

Hi Hay
Well done on taking your first steps to DFW status! Posting here isn't easy and I bet cutting up your card wasn't either.
If you post up a SOA http://www.makesenseofcards.com/soacalc.html it will help everyone advise you. Use the MSE button at the bottom for the correct format.

JL

Hay09

Im not always that on vet bills, some months ill be none really but im saying approximately as sometimes i am that. None have insurance as the insurance wouldnt cover half of it, have looked into it, and if i got insurance for them id be a fortune a month on insurance. That included food, hay, etc. Their injections.

I have tried applying for a couple of CC with no interest to pay as much as i can to them but no-one will accept me just now .

Thanks JL, it was very hard to post here as i feel so embarrsed and stupid about the whole thing. ill go try that now xx

BeautyandtheBeast_3

Hay09 wrote: »

Im not always that on vet bills, some months ill be none really but im saying approximately as sometimes i am that. None have insurance as the insurance wouldnt cover half of it, have looked into it, and if i got insurance for them id be a fortune a month on insurance. That included food, hay, etc. Their injections.

I have tried applying for a couple of CC with no interest to pay as much as i can to them but no-one will accept me just now .

Thanks JL, it was very hard to post here as i feel so embarrsed and stupid about the whole thing. ill go try that now xx

Hi, thats a lot for 7 rabbits! where do yo get your hay from? do you buy ot shop bought - if so get to a farner and you can get bales of hay for £2 - £3 which for 7 rabbits will suffice rather a long time! i have 2 horses thats why i thought your bill for 7 rabbits was very expensive. do you use pet shops or farm shops - Farm shops will be a hell of a lot cheaper than pet stores

TellTheTruth_2

Hay09 wrote: »

When i go out i keep it limited to basically nothing.

Wow! Have you got an older sister that is like you? I think I am in love. :T All women I have dated usually try to make me bankrupt when I take them out. Some of them if you get them a half pint of lager she will ask why you did not get her a pint!!!!!

Anyway, joking apart, first one is good for you for cutting the card up. Now hurry along and cut the other one up as well.

Secondly, as said make an SOA cos according to your amounts given I make it:

Income - £800 a month
Outgoings - £635.57 (excluding rabbits)

Left over in cash: £164.43

And last one.......... £30 a month on food? You are starving yourself.

Nick Smith

Hay09

No, £30 for food etc is my lunches at work, as i still live with my mum she does the shopping and some of my board money goes to that.
I do have an older sister who is better with her money than me!! .

I get a bale of hay from a farm. One of my rabbits have teeth problems so every 2-3months im about £60 to get them burred. They all need 6monthly injections and 1 yearly one which is £16 each approx, i get a discount for having so many though. One of them have problems with his stomach so need meds for that etc. They get veg which im approx £5-7 a week for. Like i say im not always that a month, but sometimes am so i thought id put it.

Im coping not to bad just now. I just want to be able to afford a house etc....:( if i was debt free id be so much happier. I constantly feel so stressed and angry at myself just now for getting to this stage!!

Fire_Fox

Hay09 wrote: »

Im not always that on vet bills, some months ill be none really but im saying approximately as sometimes i am that. None have insurance as the insurance wouldnt cover half of it, have looked into it, and if i got insurance for them id be a fortune a month on insurance. That included food, hay, etc. Their injections.

I get a bale of hay from a farm. They get veg which im approx £5-7 a week for. Like i say im not always that a month, but sometimes am so i thought id put it.

We kept rabbits (and chickens!) when I was a child, and we were totally broke so there is no way we spent the equivalent of £100 a month on them. For food they had half rabbit pellets, and half leftovers from our kitchen and allotment (free) - carrot peelings and tops, stalks of brocolli, leaves from cauliflower, pea pods, etc. - and we had a run so they could eat fresh grass and mow the lawn! Could you ask neighbours or friends to collect together their veg leftovers so you have enough? We didn't give them hay as they ate it all, instead we used half folded newspaper (free) and half straw bought in a bale. Are your rabbits all neutered? Has the vet suggested removing the offending teeth? Often this is the best solution for the rabbit.

Hay09

Fire_Fox wrote: »

We kept rabbits (and chickens!) when I was a child, and we were broke so there is no way we spent the equivalent of £100 a month on them. For food they had half rabbit pellets, and half leftovers from our kitchen and allottment (free) - carrot peelings and tops, tough bits of brocolli, leaves from cauliflower, etc. We didn't give them hay as they ate it all, instead we used half folded newspaper (free) and half straw bought in a bale. Are your rabbits all neutered?

Rabbits diets are 80% hay so they need it. It helps their teeth stomachs etc. They are all neutered. To be honest £100 is an over statement as some months im only about £30 for them but this month i was £100 and i have been £100 ocasionally when the one with teeth problems have needed them done etc.

notlongnow_2

TellTheTruth wrote: »

Some of them if you get them a half pint of lager she will ask why you did not get her a pint!!!!!

And so they should!LOL

Do you have a local market nearby? They will always give you loads of left over veg leaves for free, especially towards the end of the day.

Hay09

notlongnow wrote: »

And so they should!LOL

Do you have a local market nearby? They will always give you loads of left over veg leaves for free, especially towards the end of the day.

Im not sure actually I dont think their is any markets really near by, will have a look around though thanks