Wiill need help

Jessiepig

Hi just wanted to post. I have been reading posts for a few weeks now and will need help and advise but not quite ready to give out all info yet. I need to get my head round it.
I will do so in the next couple of days.

lynzpower

I'll probably be here lol ,whenever your ready hun xx

Are you using the budget planner at the top of the page? Its fab to help get your head round stuff

Lynz
x

Jessiepig

Thank you. I have just worked out that I owe about £12,000 in various places but my biggest problem is that my husband does not know and he must not.#I am dreading him finding me on here.

kickingkay

right ieo babes, i owe about £80 k which my hubby didnt know about in fact he still doesnt know how much we owe he doesnt need to know the amount sa its my fault he couldnt cope,
but i did tell him we were seriously in debt due to my stupidity, i was vomiting at the time of telling him i thought he would leave etc, but he didnt he said so long as we had each other it didnt matter, he thought it was something more serious ie having an affair! (only a man could trhink that lol)
what im trying to say is i dont have to lie or hide stuff now which i did ofr ages it made me so ill talk to him, he promised to stand by you through thick and thin, im sure and if you dont tell him he wont be able to help,
if you post all details SOA then some clever cloggs can work out your best option til then we are all here WELL DONE on the first day of your new debt free wannabe life
xxxxklare

Sea78

Hi,

Post your SOA when you're ready and we'll all help out...

Welcome to the board

Sea xx

Jessiepig

Thank you KickingKay. Do you mean yours is a secret as well

lynzpower

for richer for poorer and all that.

Personally, I go for telling him. Check out dotty annes diary, she was in the same situation. You are being proactive, good for you!!

Annie_Fanny

Look at this post for details of preparing an 'SOA':

http://forums.moneysavingexpert.com/showthread.html?t=107280

Good luck - you can do it!

kickingkay

Jessiepig wrote:

Thank you KickingKay. Do you mean yours is a secret as well

hi ya, it was a secret for months and i kept borrowing to try and pay off it was a terribly mess, although he now know we are in debt and it will take ages to pay off.
he has no idea how much, i couldnt bare to off load that on him, after all it would make me feel less guilty when infact he isnt responsable for that amount even though 2 loans are in his name he did that to bail me out so i didnt have so much debt, anyway, can you truly not talk to him about it,he will suspect you of alorts if you use teh internet alot more chatting on here lol
i just think you need to let him know how the finance stands if you are to make cut back tehn he needs to be aware my hubby had to give up his and my sons season ticket this year he has had it for the last 4 yrs so i felt !!!!!! but he has been fine about it, he gave up smoking to so you see it all helps
big hugs xxxxx

CosmoCat

hey we're all here whenever you're ready to look at your SOA in detail.

i would tell your OH too. but as we say on here, small steps. your confronting your debt in full is an excellent start.

welcome and all the best

Jessiepig

No he cannot be told. It would be divorce courts. I have to do this on my own