Rabbit in headlights :-)

woody01

I am RARELY touched by things i read here....this time i am

Anyway, the best advice i can give is that if you have managed to keep your head after the problems you have had in the past, then try to remember, although sometimes a bit worrying is that ITS ONLY MONEY!

Fire_Fox

It doesn't sound like you have very good legal advice ... but VERY pleased to hear that you have the best medical care. :T

Your mortgage sounds like a lot of money, if it's a decent sized house would you consider a lodger? Perhaps someone who travels for work or temporary foreign language students? Or would that be a bit much for you? A tax-free income of up to £4K a year might make life a lot less stressful!

basmic

Although I can't help you, katch22, you did make me well up a little for you.

I hope you get all the help you surely deserve from these forums, and hope things go well as can be, as far as cancer is concerned.

Good luck! :kisses::kisses3::grouphug:

katch22

Just wanted to pop on and say thank you so very much for all the replies personal and on the forum...... I have been so very lucky throughout my recent 'challenges' and been shown kindness and humour in bucket loads, it looks like it's going to be the same on MSE. Clearing my financial crisis laughing along the way, now that's my idea of a solution...... see it's looking better already :-)

Working through my pile of statements now and bracing myself for the final sum.... the drum roll is killing me now. Will post later or tomorrow x

bank_of_slate

katch22 wrote: »

Just wanted to pop on and say thank you so very much for all the replies personal and on the forum...... I have been so very lucky throughout my recent 'challenges' and been shown kindness and humour in bucket loads, it looks like it's going to be the same on MSE. Clearing my financial crisis laughing along the way, now that's my idea of a solution...... see it's looking better already :-)

Working through my pile of statements now and bracing myself for the final sum.... the drum roll is killing me now. Will post later or tomorrow x

Good for you katch!

It's daunting but once you know the exact figures it's a lot easier to know where to start and deal with it!

...Linda xx

QueenB.

Like others have said if you can deal with all you have so far then facing your debt, scary as it is, will be alot easier than all the other things you have been through in the last few years. even though it often doesn't seem like it there truely is a light in the dark, but i have a feeling that in some ways you already know that. Good luck xx

bank_of_slate

Hi katch,
how are you doing with those statements?
...Linda xx

katch22

Hi,
Just trying to find my lastest A & Leicester one and then I think I'm nearly done ....... in :-) Hope to post it up later and then hang my head in shame for leaving it for so long. x

dancingfairy

You could always post it up now and edit later to include the A & l one - I am sure there will lots of suggestions for you.
df

katch22

Hi,

Well here it is. The figures are rounded up to the nearest I can get until I am up and at em enough to pop into the office and et all my files.

Number of adults in household........... 2
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 256
Partners monthly income after tax....... 1750
Benefits................................ 0
Other income............................ 100
Total monthly income.................... 2106
Monthly Expense Details
Mortgage................................ 1050
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 129
Electricity............................. 50
Gas..................................... 45
Oil..................................... 0
Water rates............................. 66
Telephone (land line)................... 31
Mobile phone............................ 10
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 15
Petrol/diesel........................... 50
Road tax................................ 12
Car Insurance........................... 24
Car maintenance (including MOT)......... 12
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 11
Contents insurance...................... 14
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 15
Haircuts................................ 12
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 20
Total monthly expenses.................. 1798

Assets
Cash.................................... 0
House value (Gross)..................... 275000
Shares and bonds........................ 0
Car(s).................................. 3500
Other assets............................ 2000
Total Assets............................ 280500

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 214000...(1050).....4.75
Total secured & HP debts...... 214000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Lloyds Loan....................5300......130.......0
Lloyds Loan....................4800......125.......0
Lloyds CC......................3600......75........0
Alliance & Leicester...........8700......25........0
Nationwide O/D.................650.......10........0
Nationwide CC..................850.......30........0
HSCB CC........................5200......5.........0
Mint CC........................5600......25........0
Total unsecured debts..........34700.....425.......-

Monthly Budget Summary
Total monthly income.................... 2,106
Expenses (including HP & secured debts). 1,798
Available for debt repayments........... 308
Monthly UNsecured debt repayments....... 425
Amount short for making debt repayments. -117
Personal Balance Sheet Summary
Total assets (things you own)........... 280,500
Total HP & Secured debt................. -214,000
Total Unsecured debt.................... -34,700
Net Assets.............................. 31,800

Scary stuff. I hope to be able to work again soon but it depends on my trip to hospital on 27th...... just need a miracle again there and I can get back to earning. Actually I miss working. Sad but true. First time in 30 years that I have been on benefits, how anyone lives on them long term I have no idea..... I would need MSE and a fairy Godmother I think so I take my hat off to anyone out there that has to do this.

Anyway here it is. The calculator did ask why no Life Assurance but I can't get any now having had the BC ....... can't afford it anyway :-) I feel better for having written it down and plan to tackle it all as soon as I have more money available.... any day now.

Thanks x