Snowmoredebt is getting sorted

Snowmoredebt

Hi everyone

My partner is a long term lurker on MSE and after i finally admitted i have a problem with debt pointed me in this direction, I have read diarys and I hope I am accepted as part of this amazing community.
Here it goes my story

I am 26 with a family my partner soon to be Mrs Snowmoredebt 2 children ds aged 9 going on 90 and dd 7 months. I have debts which are unpaid I have not paid my natwest loan for 12 months and missed a few payments on a 0% agreement my credit car is being paid at minimum amount and the amount of bank charges are unreal.

I never told my partner about my debts and happily proposed we have booked to get married 14/08/2010 and promised the kids as a honeymoon we would all go to disneyland :eek: My partner now knows the extent of what I have done and has promised to help, but has said we have to make enough money for disneyland as ds is so excited and she wont let him dowm The wedding is also to go ahead as her mum and dad have been paying bits and they are retired and can not afford to lose the money.

My partner is currently on Mat leave and not due to return till feb, her wages will be 0.00 for 3 months. My partner has debts which are under control and has never missed a payment and does overpay.

I'm so glad i have got this of my chest within 2 days I have admitted to my girlfriend and now on here to everyone else I will do this for me and my family. The one big lesson I have learnt is not to hide it - did my girlfriend shout..no I got a big cuddle and told we would sort it out together.

Thats my ramblings over for an hour will come back in an hour when im more composed and make a list of incoming and outgoings and set goals.

Any questions please ask

POSITIVE_AND_FOCUSED

Good for you.you will get there in the end. I look at my dd, and I know I need to reach my df target for her as well asme. I refuse to let her down, and its a very strong reason to keep focused thebest you can. You will be ok together with your family.

Snowmoredebt

Thank you positive and focused, i have realised how lucky I am, I love my family very much.

I am writing down our incoming and out goings, incoming will increase in feb by £1100 when my partner returns to work however unsure on childcare costs at mo :cool:

Incoming - monthly

£1100 wages
£600 wftcs (OH)
£132 child benefit (OH)

Total £1832

Outgoings - monthly

£238 Mortgage (OH)
£250 Loan (OH) due to finish dec 2010
£80 Cataloge (OH)
£80 C/C 25% interest just gone up unexpectedly (OH)
£80 C/C 0 % (OH)
£121 ds tutor (OH)
£200 shopping (OH)
£52 baby milk Nappies (OH) 7 months old now so expense on this should start to drop
£20 mobile credit 2 x mobiles
£50 family gym membership
£80 Petrol (OH)
£20 car tax / MOT etc (OH)
£32 car insurance (OK)
£50 OD (OH)

Total £1273

---

Currently in arrears :eek:

£100 monthly £2000 water rates (paying as and when)
£2000 loan of £5300 (unpaid) Natwest
£800 interest free loan of £2300 Black Horse
£1500 Overdraft (unpaid)

Total arrears £6200.

Our living arrangements are fairly staright forward we partially own the property along with OH parents we pay Mortgage and water rates and they pay the other bills. We take the children to places which are free as we are lucky enough to live in Plymouth so plenty around. The gym membership is a family membership which we use nearly everyday of the week we take the children go swimming ds goes to some of the sports classes and we use the gym facilities ds is also able to take his friends for free we use this as our entertainment.

I dont think i have left anything out I got in this mess from spending and trying to buy friends when i have plenty of real ones and a lovely family.

I have given my cards to my OH who has set me some goals

Dont worry not all my posts will be so long LOL

Snowmoredebt

Hi

Today I have opened a new bank account which will be active in 2 weeks
Emptied the penny jar £15
And £25 from partners quido
I have also joined lots of surveys, started clearing out for eBay and started looking for a higher paid job.

Tommorow I will add at least 10 items on eBay but aiming for 20.

skintbuthappy81

Wow Snow, what a fab new diary, you have so much to look forward to. Sure it will be difficult but it will be worth it in the end! Now, you have read my diary and as you can probably tell I won't be the best at giving advice on saving money but I will hopefully bring you some light hearted entertainment! :rolleyes:
It sounds like you have a lovely family and money can't buy this, you are very lucky but I think you know this already! NOW GET LISTING THAT STUFF ON EBAY!!!

Snowmoredebt

thanks skintbuthappy I am extremly lucky

Today my partner has turned out her gold and is taking it in town to sell, and I will be listing at least 10 items on eBay and taking kids swimming. Also have housework grrr!

skintbuthappy81

I should do that with my gold, did she get much for it? I don't know if she has ever considered Mystery shopping but she could do it whilst she is on maternity and take the baby with her. I did it for a time and whilst you don't get paid massive amounts it soon adds up and doesn't take long. Just a thought.

Moneytroubles_2

Hi snowmoredebt! just wantedt to say well done for posting and goodluck in your debt free journey!

BEAT_THE_DEBT

Hi i think you do ralise how lucky you are when you have your light bulb moment , you start to realise what is important in your life!
Well done for confronting your debt and good luck!

Taylo_2

Good on you Snowmoredebt, starting is the most important step, and sounds like you have three very good reasons to get cracking. Keep going and you will be surprised how quickly you will start to make a dent in those debts. Good Luck

Snowmoredebt

Hi everyone thank you for your support it really does help. Oh has previously signed up for mystery shopping but they never had any opportunitys in Plymouth, she will take another look on other sites.

OH received £35 for gold this included 1 ring 1 thin chain 1 thin ankle braclet and an odd small earing.
I have taken pictures for eBay and will be going to parents later to transfer to pc (ours is about 15 years old) I'm also going to see what they have laying around. We have also placed some ads in paper for prams and a bulk amount of cds.
I may try and setup a signature and will join some challenges soon.

Forgot to add the pay machine was out of order so got free parking in town centre saving £2 (I did call council and leave car reg on answerphone saying machine needs fixing just in case mr traffic warden came along)