should have known better and yeah love is blind

paybacktime2008

A great book to read is This charming man by Marian Keyes.

dealwithdebtdot

What a brave step you have taken. Wishing you some peace in the freedom soon...*subscribes*

Shoe_Gal

paybacktime2008 wrote: »

A great book to read is This charming man by Marian Keyes.

Brilliant book - very thought provoking!

burntfingers_2

Statement of Affairs and Personal Balance Sheet
Household Information[/b]
Number of adults in household........... 1
Number of children in household......... 1 17 in July is this classed as an adult?
Number of cars owned.................... 1
Monthly income after tax................ 1121.2
Partners monthly income after tax....... 0
Benefits................................ 283.78
Other income............................ 108 (child maintenance)
Total monthly income.................... 1512.98

Monthly Expense Details
Mortgage................................ 498
Secured/HP loan repayments.............. 147
Council tax............................. 71.66
Electricity............................. 39.5
Gas..................................... 39.5
Water rates............................. 45
Telephone (land line)................... 24 - (this includes internet/free calls and line rental with Tiscali/Talk Talk
Mobile phone............................ 62 - 2 contracts took out November/December last year 2 years to run
TV Licence.............................. 13
Satellite/Cable TV...................... 18 - downgraded from £48.50
Groceries etc. ......................... 213
Clothing................................ 30
Petrol/diesel........................... 130
Road tax................................ 10
Car Insurance........................... 25
Car maintenance (including MOT)......... 10
Other child related expenses............ 10
Medical (prescriptions, dentist etc).... 17
Pet insurance/vet bills................. 21 - 2 dogs & 2 cats
Buildings/Contents insurance..................... 21
Life assurance/PPI/ ......................... 46.60
Presents (birthday, christmas etc)...... 20.00
Haircuts................................ 13
Entertainment........................... 20
Emergency fund/Houshold maintenance..... 65.00 (this includes British Gas cover for my central heating etc)
Total monthly expenses.................. 1589.26

Assets
Cash.................................... 0
House value (Gross)..................... 99950
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 99950

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 63000....(498)......6.38
Hire Purchase (HP) debt ...... 6893.60...(147)......16.9
Total secured & HP debts...... 69893.60..-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Virgin.........................4155.65...66.01 ......15.49%
MBNA...........................4665.56...59.79.........15.75%
Barclaycard....................1871.85...26.71.........14.9%
Npower.........................130.......0.........0
A&L Loan.......................6030.38...198.00.........7%
A&L Overdraft..................1500......0.........0%
M&S............................5500......132.34........18.9%
Total unsecured debts..........23853.44...........

Monthly Budget Summary
Total monthly income.................... 1,512.98
Expenses (including HP & secured debts). 1,589.26
Available for debt repayments........... -76.28
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -76.28

Personal Balance Sheet Summary
Total assets (things you own)........... 99,950
Total HP & Secured debt................. -69,893.6
Total Unsecured debt.................... -23,853.44
Net Assets.............................. 6,202.96

burntfingers_2

I mentioned that I left the women's aid group but I do have another Support Worker that I see on a regular basis. This is more one to one. She is not a counsellor and no-one has mentioned about me speaking to one either. I thought about going to relate but as you need to pay to go there and tbh with my financial mess as it is I can't really afford to do this.

Luckily I have a very understanding GP who is worth his weight in gold. At the moment I am sticking with the medication as it has only just been changed.

I work in a potentially violent enviroment but strangely enough felt more protected in that environment than in my home when I was with him. He hated me working there and demanded that I quit my job because it is a very male environment. Luckily I refused otherwise I would have been giving up the job that I love, and him knowing where I was 24/7.

Thank you for all the messages of support, it has encouraged me even more. I will try and look out for that book on Amazon or Ebay.:)

paybacktime2008

burntfingers wrote: »

I mentioned that I left the women's aid group but I do have another Support Worker that I see on a regular basis. This is more one to one. She is not a counsellor and no-one has mentioned about me speaking to one either. I thought about going to relate but as you need to pay to go there and tbh with my financial mess as it is I can't really afford to do this.

Luckily I have a very understanding GP who is worth his weight in gold. At the moment I am sticking with the medication as it has only just been changed.

I work in a potentially violent enviroment but strangely enough felt more protected in that environment than in my home when I was with him. He hated me working there and demanded that I quit my job because it is a very male environment. Luckily I refused otherwise I would have been giving up the job that I love, and him knowing where I was 24/7.

Thank you for all the messages of support, it has encouraged me even more. I will try and look out for that book on Amazon or Ebay.:)

Relate are great. They do offer some lower price sessions especially if you can make daytime. I know a lot of local (to me) domestic violence groups/charities that are superb and free! If you are happy to say here what area you live in, or PM me I am sure I can get you some info. Relate also have great books - from their site or amazon- starting over is a good one.

Can you tell this is kind of my line of work??;)

paybacktime2008

burntfingers wrote: »

I mentioned that I left the women's aid group but I do have another Support Worker that I see on a regular basis. This is more one to one. She is not a counsellor and no-one has mentioned about me speaking to one either. I thought about going to relate but as you need to pay to go there and tbh with my financial mess as it is I can't really afford to do this.

Luckily I have a very understanding GP who is worth his weight in gold. At the moment I am sticking with the medication as it has only just been changed.

I work in a potentially violent enviroment but strangely enough felt more protected in that environment than in my home when I was with him. He hated me working there and demanded that I quit my job because it is a very male environment. Luckily I refused otherwise I would have been giving up the job that I love, and him knowing where I was 24/7.

Thank you for all the messages of support, it has encouraged me even more. I will try and look out for that book on Amazon or Ebay.:)

Or order it from the library for free!

burntfingers_2

:jThanks never thought of using the library to order a book, thats saved me some money already

dealwithdebtdot

Looks like you are really budgeting! You have nothing left to pay your debts though. If you can tweak the spending a little, you may be able to start tackling the debts. General rule of thumb, is hit the smallest debts hard first, or the ones with the highest interest rates. So I would focus on your npower debt...just to get rid of one, and then if the ApR's really are nothing for the rest hit on the Barclycard. However, in your SOA, it doesn't say how much you minimum repayments are for all the debts, so I really can't see how much room you have to move in all of this.

burntfingers wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information[/b]
Number of adults in household........... 1
Number of children in household......... 1 17 in July is this classed as an adult?
Number of cars owned.................... 1
Monthly income after tax................ 1121.2
Partners monthly income after tax....... 0
Benefits................................ 283.78
Other income............................ 108 (child maintenance)
Total monthly income.................... 1512.98

Monthly Expense Details
Mortgage................................ 498
Secured/HP loan repayments.............. 147
Council tax............................. 71.66
Electricity............................. 39.5
Gas..................................... 39.5
Water rates............................. 45
Telephone (land line)................... 24 - (this includes internet/free calls and line rental with Tiscali/Talk Talk
Mobile phone............................ 62 - 2 contracts took out November/December last year 2 years to run
TV Licence.............................. 13
Satellite/Cable TV...................... 18 - downgraded from £48.50
Groceries etc. ......................... 213-you might have to try and get this down a little bit, it will be hard but at the moment, you haven't got much to play with.
Clothing................................ 30-might have to forgo this for a while!
Petrol/diesel........................... 130
Road tax................................ 10
Car Insurance........................... 25
Car maintenance (including MOT)......... 10
Other child related expenses............ 10
Medical (prescriptions, dentist etc).... 17
Pet insurance/vet bills................. 21 - 2 dogs & 2 cats
Buildings/Contents insurance..................... 21
Life assurance/PPI/ ......................... 46.60
Presents (birthday, christmas etc)...... 20.00-think you might have to cut this for a while.
Haircuts................................ 13
Entertainment........................... 20
Emergency fund/Houshold maintenance..... 65.00 (this includes British Gas cover for my central heating etc)
Total monthly expenses.................. 1589.26

Assets
Cash.................................... 0
House value (Gross)..................... 99950
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 99950

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 63000....(498)......6.38
Hire Purchase (HP) debt ...... 6893.60...(147)......16.9
Total secured & HP debts...... 69893.60..-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Virgin.........................4155.65...0.........0
MBNA...........................4665.56...0.........0
Barclaycard....................1871.85...0.........14.9
Npower.........................130.......0.........0
A&L Loan.......................6030.38...0.........0
A&L Overdraft..................1500......0.........0
M&S............................5500......0.........0
Total unsecured debts..........23853.44..0.........-

Monthly Budget Summary
Total monthly income.................... 1,512.98
Expenses (including HP & secured debts). 1,589.26
Available for debt repayments........... -76.28
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -76.28

Personal Balance Sheet Summary
Total assets (things you own)........... 99,950
Total HP & Secured debt................. -69,893.6
Total Unsecured debt.................... -23,853.44
Net Assets.............................. 6,202.96

The Old Style board has loads of cheap meal stuff for advice, and there is a board for cheap ideas for gifts etc.

I think you are doing brilliant.

burntfingers_2

I am not sure as to how much APR's are on the other debts. Will put the minimum payments in when I get home as it was v. late last night thought it better to get it done and posted.

The clothes I don't really buy very much more on as and when basis. Ie boots falling apart etc. My son buys his own clothes and pays for his bus pass as he is entitled to EMA. He is a good lad and knows the situation although I sobbed so much telling him, I felt that I had let him down especially as I was a single mum for so many years and never was in this situation.

I am trying to have as many no spend days as possible. I do try and meal plan as much as possible but anyone with teenagers will know this is a struggle as you never know when they are in or out. When they are in they are starving!! It is very rare that I buy ready meals and always cook from scratch.

Have been looking at lovefoodhatewaste website for ideas. Luckily my son isn't too fussy just eats loads!