Okay, have added up my debt...now need some reassurance!

Nukumai

Saz_81 wrote: »

Sadly, it is the highlight of my week!

Then be sure to keep it up! I know you are dealing with a lot at the moment but, for what it is worth, you come across as being smart and level-headed to me.

Good luck!

ceejaydee23

Saz_81 wrote: »

Thanks for that, I've never heard of computerised CBT before, I'll ask my doctor on Monday

Hopefully if this works, (the link i mean ) Then this is what it was that i did.

http://www.beatingtheblues.co.uk/patients/introduction/whatisit

ruby1968_2

Hi all

could do with some support am ashamed to say have finally owned up to myself that I am a SHOPAHOLIC trying to make new start, I have a loving husband, two not so loving teenagers and joint debt, I have sat today and done my SOA for everyone to look over and now really need to sort out getting it back together, suffering with depression and anxiety and sad to say that six months ago triedd to end it all. so here goes looking for help.

[tt]Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1200
Benefits................................ 882.4
Other income............................ 0
Total monthly income.................... 2082.4
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500
Management charge (leasehold property).. 0
Council tax............................. 125
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 19.38
Telephone (land line)................... 0
Mobile phone............................ 0
TV Licence.............................. 14.25
Satellite/Cable TV...................... 52 already reduced stopped sports channel
Internet Services....................... 0
Groceries etc. ......................... 240
Clothing................................ 0
Petrol/diesel........................... 320
Road tax................................ 30
Car Insurance........................... 68
Car maintenance (including MOT)......... 50
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 7.2
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 13.83
Life assurance ......................... 14.25
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0 None booked but do have touring van for cheaper hols
Emergency fund.......................... 0
Total monthly expenses.................. 1543.91

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

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Natwest Loan...................15489.6...470.4.....0 paid with loan ins
bos............................17110.....25........0 Payment plan 6 month review
natwest cc.....................1561.15...40........20.9
catalogue......................477.......25........0 payment plan interest stopped
Provident......................803.......40........0
Total unsecured debts..........35440.75..600.4.....-

Monthly Budget Summary
Total monthly income.................... 2,082.4
Expenses (including HP & secured debts). 1,543.91
Available for debt repayments........... 538.49
Monthly UNsecured debt repayments....... 600.4
Amount short for making debt repayments. -61.91
Personal Balance Sheet Summary
Total assets (things you own)........... 2,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -35,440.75
Net Assets.............................. -33,440.75
[/tt]

Looks scary but have made a start in reducing payments and also Natwest Bank loan is being paid by insurance taken when loan was granted.

debtdesperado

hi Saz... you can do it!

Another potential saving (perhaps) is maybe to see if you can arrange your therapy appointments so they are every 10 or 14 days, rather than 7? You sound upbeat, and so I don't imagine the extra 3 (or 7) days is going to tip you over the edge... and this would mean an extra £50 (or £100) a month towards your debt. Also might be worth asking if you paid for a few sessions at a time could you have a discount?

Even if she said pay for 8 sessions and you get 10% off (plus do it every 10 days) you'd get nearly 3 months worth of sessions for £360...

Instead, if you go weekly and pay the flat rate, 3 months of sessions will cost you £600.

Small things add up to big differences - the first law of being a DFW!