What would you do if you were me?

spud30

I know you weren't having a go SS.

Up until this, I would've described myself as someone who never suffered from stress. I though I could deal with anything, but just recently I have felt very differently.

My get up and go has got up and gone!! I sit here and do nowt from morning till night, house needs a bit of TLC, I don't go out unless I absolutely have to. I explained this to the doc, and he knows I have a family history of depression, so I just think he was a bit concerned and told me not to rush into anything.

I'm not a sciver, so I will get my backside in gear and get on with it as soon as I can, I promise

xx

southernscouser

spud30 wrote:

I know you weren't having a go SS.

Up until this, I would've described myself as someone who never suffered from stress. I though I could deal with anything, but just recently I have felt very differently.

My get up and go has got up and gone!! I sit here and do nowt from morning till night, house needs a bit of TLC, I don't go out unless I absolutely have to. I explained this to the doc, and he knows I have a family history of depression, so I just think he was a bit concerned and told me not to rush into anything.

I'm not a sciver, so I will get my backside in gear and get on with it as soon as I can, I promise

xx

Well if you don't you know that we'll all gonna give you a kick up the backside?

Oh and to answer your question about the CCCS requiring you to have a certain amount of money to pay your debts to be in a DMP, well I read someones post today and they only pay £50 a month!

spud30

I know you will, that's why I'm here !!

My kids go back to school tomorrow, so we will all be back into a routine. As soon at the little ears are out of the way, I will be on the phone to CCCS and put the wheels in motion for getting the debts sorted out.

I will also ring the CAB re any benefits we may be entitled to.

I will let you know what they all say.

earwig

you can pay a pound a week on a dmp if thats all you have left after paying bills are the debt unsecerd if so why make them sececerd by puting charging orders on your home you could sell up buy somthing cheeper and still have a low morgage or no mortage if you savy

spud30

Hi earwig,

Sentimental reasons make me want to stay here - this was my family home.
Moving really would have to be the last resort, but at least we do have that option if we need to.

earwig

hi i dont blame you just an idea but you can do a dmp on 1 pound per week so dont stress about not having enough money to do one

spud30

Right, I have just spoken to the CCCS.

Aren't they nice !!!

I have an appointment on Tuesday 27th June for a debt counsellor to ring and go through everything.

They recommend that we set up a new bank account as some of our debts are with our bank (credit card and overdraft). Apparently they could take hubby's salary when it comes in to pay their own debts and leave us with nowt.

Can anyone recommend a bank to open the new account with?

Jessiepig

I know you are unemployed but you have so much equity in your house it might be worth speaking to your mortgage company. You never know they might be able to help. I would not recommend doing the charge orders as I think you will end up paying over the top on your debts in the future.
Good luck.

moongarden

hi spud,

let us know when you are ready with your SOA. i think there are two prongs to attack when looking at finances boosting income and reducing outgoings

have you checked what you might be entitled to on here:

http://www.entitledto.co.uk/

spud30

OK here goes. You asked for it !!!

Never done this before so apologies if incorrect or unclear.

Any advice you can give would be appreciated but please be gentle x

INCOME
Tax credits £300.00 (estimate - waiting to hear from TC people)
Child Benefit £116.60
OH Salary £715.00
My salary £0.00

Total £1,131.60

All income is 4 weekly, so monthly equivalent income is £1225.00

EXPENDITURE
Phone & Broadband £30.00 12 months finishes April 07
Sky TV £46.00 12 months finishes November 06
Pet Insurance £32.74
TV Licence £11.07
Council tax £161.00
Gas £32.50
Electric £54.00
Mortgage £313.07 Fixed rate till Sept 06. Will increase.
House insurance £50.00
Water £64.58
heating maintenance £33.00
Car Insurance £30.00
Breakdown service £15.00
Food £200.00 for 2 adults, 2 kids & 1 very large dog.
Petrol £30.00

Total £1102.96

DEBTS
Alliance & Leicester £8,200.00 5.8%
Nationwide Credit Card £5,700.00 15.9%
Tesco Credit Card £2,500.00 16.9%
Overdraft £2,500.00
CSL suite £1,500.00 0%
AA loan £14,500.00 6.3%
Harveys - suite £511.04 0%

Total £35,411.04