i think it's time

liuhut

Like I say not sure if it is the best but I found it really useful too!!

Sea78

Can't add much more really but just wanted to welcome you to the board and well done for posting! Things can seem so overwhelming when starting, but it gets better.

To help with the debts part - have you got anything to sell on Ebay or Amzon. I sell a little here and there and it helps paying off little amounts off the debts. This month I had a few shocking bills and thought I would have to debt big time but due to an extra £30 from Amazon, even after the fees and p&p it helps so much (has mean tI can buy the shopping, nappies and milk without using credit card!!).

Maybe to help pay for those things you really want to keep it would be worth having a trawl through your stuff?

Sea xxx

Sea78

ps..I think that is the best snowballing calc! I use it all the time for a quick boost

elantan

i knew about ebay but didn't know about amazon i have loads of things i need to get rid of just not too clued up on the internet(notice still no smilies lol) but will investigate this further thank you ..may actually help in getting the family on board with the whole thing too ..get son to sell stuff he don't want etc etc ....mmmm...i can see a path forming before me that may get me to where i need to go ..

Sea78

Ebay is great. Amazon is easy, although fees are high, but no fees if you don't sell and it's much easier than Ebay - just type in what you want to sell and it comes up. You don't have to take photos etc. Also things like books and CDs that may not sell on Ebay do sell on Amazon...just realised I need to get listing on Ebay again though!

Sea xx

newleaf

elantan wrote:

i knew about ebay but didn't know about amazon i have loads of things i need to get rid of just not too clued up on the internet(notice still no smilies lol) but will investigate this further thank you ..may actually help in getting the family on board with the whole thing too ..get son to sell stuff he don't want etc etc ....mmmm...i can see a path forming before me that may get me to where i need to go ..

Hi elantan and welcome! :hello: You are already well on your way. Just thinking along the lines of clearing out stuff, could you get the family to help you do a boot sale? You might be surprised what you can sell at one of these. I do think it's important that the family realise it's their problem too, and the sooner you can get together and get it sorted, the sooner life improves for everyone. I understand what you say about son needing to study for GCSEs so maybe he's not in a position to get work yet, but could you have a chat with your nephew and lay your cards on the table and ask him for a small contribution towards board? If he is working he shouldn't object to helping out. He probably has no idea how worried you are about the future.
Re smilies, click on one of the icons and it will magically appear in your post when you submit it

elantan

aha i didn't know i had to go to advanced i was looking at the quick reply and thinking where's the smilies do they not like me lol :T hopefully got it now ...as for the idea about talking to nephew it can't hurt can it ..thanks :T

Prudent

bikerqueen wrote:

my council tax in norwich is 90 quid per month, which I think is relatively cheap. however, even allowing for £130 council tax that means your water is £70 a month? Is there any way of discussing this with the council to double check that it's right?.

The council tax could well be right. Scottish council tax bills can be a bit daft. I pay £116 per month for small 3 bed semi and that is with 25% reduction as the only adult. Three bed detached in same road is £180 for two adults.

elantan

ok i've done this before so if you get a double sorry ..just to let you all know that i was away picking son up from g/f's house (1/2 hour trip each way) :mad: and whilst out have decided thanks to you all that :T a) i can't do this alone i need my family backing me up so b) i'm calling a family conference for sunday ( will let you know how it goes) c) i may not make it to college because d) we need to get our finances sorted d) between now and sunday i'm gonna look at value of car versus how much left to pay ebay,amazon and car boot sale options ....e) have a talk with the nephew re. dig money ...this one i aint looking forward to but needs must ..anyway thanks again for all your help and i'll let you know how it goes ....

bikerqueen

good decisions, all the best with them