Get out of debt in 18months....

costaerer

i cant comprehend atm what its like to have NO money. obviously there have been times when ive had no money but OH gets paid weekly , and i get paid fortnightly, so theres never any longer than 1 week we dont have cash!

maybe my prob is i will always go grocery shopping before paying bills :-S

costaerer

NSD yesterday apart from 10 quid petrol OH bought.

Going to Boundary Mill today because OH desperately needs shoes and they have a gr8 sale !! Hope fully wont spend to much :-S

Lemon_Tree

hi Costaerer, at least you're facing up to your weaknesses and can now tackle them. I think you're right you really should pay your bills first and then see what's left for groceries, that way you won't end up getting into difficulties or getting behind.

costaerer

negatives of today...spent 81quid in boundary mill, including mirror for hall which weve wanted for 18months!! also spent tenner on lunch :eek:

on a positive , paid 215 to dh cc so his balance is now 275 :T

costaerer

has any one got ne suggestions how to get my finances in order. my dh gets paid weekly and so its rly confusing about payng bills. always think ive got more money than i have. i dont no what d8s my dd's go out, and its pot luck if there is enough money in account.gas,elec, OH mobile and couple others i pay cash giro thingy at post office so i no these are paid. EG, OH going to get paid 260 tonight, the only thing i need is 20.65 for his mobile bill?? so i think im rich and thinkin lets just pay 200 off his cc bill, but i no that we dont 'on paper' have such spare cash to throw around...confuseddd!!!!

Lemon_Tree

hi, i think you need to start by pulling out the last few months of bank statements, do you have internet banking? if so then you can get quite a few months off that.
I would then create a list of all the DD's that go out and what date it happens.
I would then set up a savings account and work out what annual bills you have that you don't pay by DD and list them.
You then need to get a calendar and put the DD on it and your pay dates. What you really need to do is work out each week what needs to be paid and do this for the whole month, then work out when and how much you income is.
You also need to divide the other annual bills by 52 and move that amount each week into your savings account.
It's going to be tricky to start with, until you've built up a bit of a balance, you're going to have to really concentrate on leaving enough in each week if you need it the following week.
Do you have a program like excel? if so then you can set everything up and it will work out what you need to leave or spend each week. Pm if you want some more help

costaerer

thanks for your help lemontree.:A
guna put 70 to holiday fund, another 70 off OH CC so his balance will be 200 :j
keep 65 for petrol and shopping etc for the week pay mobile bill which is 20.65......

got bout 60 left but OH stll needs shoes....:shhh:

costaerer

argh, just checked credit file today and got a default today from vodafone

costaerer

must write down what i need to pay by end of week...

130 for new blinds(already paid half)
120 on my credit card
at least 100 on OH credit card
140 loan repayment to friend
20 for OH mobile phone bill

im sure other things will crop up between now and friday!!

costaerer

Note to selt:

Contact Vodafone DCA to inform them of DMP
Contact CAP1 collections dept to inform them of DMP
Contact EON to set up some payment plan to pay the 400 a owe them
Contact Lloyds TSB to chase up copies of statements they promised me last year
Contact Cap1 about statements they have not given me. Been over 40 days since i requested list of charges.
Chase up with Bcard bout list of charges, i sent them a cheque which they hve to cashed yet.

Hmmm....