help get rid 10k cc

pink1310

:(hi everyone im not sure what to do anymore with my debt i need mortivating as at the moment im sat here crying thinking to my self i cant do it but is it possible to get rid of 10k on my credit cards and i have a loan of 20k( seems a lot but thats with all the intrest ect) with out going bank rupt and doing a iva.
I still live at home but im also upset as im going out on a date on sat and im thinking that isnt going to work how can it if im broke to go on dates if i tell him he will run a mile
if anyone has any advise that be good!!!

xyellowx

chin up people would happally swap your debt for their problems other than money
your on the right site put up a SOA and people on here will be glad to help
£10k on c/c can be paid off with some pointing in the right direction try a post on the c/card page aswell more advice the better

pink1310

thanks sorry re reading it i sound like a right wingeing idiot its because a little upset.ive been reading posts so im gonna do the soa later and proberly.

gonzo127

yep as ever the first place to start is the SOA (statement of affairs) http://www.makesenseofcards.com/soacalc.html if you fill that in honestly and as accuratly as possible we can try and advise you on areas of your current lifestyle which could have some savings

once we see this we will be able to help you better, so relax, enjoy your date (and you really dont have to go into your financial situation with the perosn on a date) if it comes down to going somewhere expensive just kindly inform them you would prefer somewhere more low key etc (inless they are paying hehe)

babymoo

First off. Breathe. Getting worked up about it will not help you.

You have come here looking for help and you will get lots of brilliant advice. What you need to do is put up an SOA http://www.makesenseofcards.com/soacalc.html use this link and then post it up here so that people can help you to find where you can make changes, start saving etc.

As regards to your debt, don't let it put you off going on a date. There are many things that can be done for a date without the need to spend money. I got with my other half when I was in debt and I didn't tell him till I felt I needed to as it had nothing to do with him, still doesn't as we live apart and our monies are completely seperate. Tell him that you are just saving money and would like to do cheap/free things.

Cook for him at yours, or go round to his? Go for walks in the park or somehwere nice where you live, go to the beach for the day etc. Those are the things I thought of at the top of my head. The best dates I went on with my other half when we were just beginning to date were all free, and the most romantic dates I have ever been on. Be imaginative, and don't forget to smile.

Tixy

Hi pink

We all have down days and where better to have a moan about debts than here on MSE.

When you feel a bit better (after a cup of tea or cake - or both!) then start work on your statement of affairs.
Being in debt does not have to stop you dating or meeting a good guy. But if you can start to tackle your debts and get an action plan you should feel less stressed and actually be able to enjoy yourself more.

complimentschemistry

Hi Pink,

Sorry to hear your're not feeling too great - I was having a day like that yesterday, was frustrated with having no money.

An SOA is the best place to start, so you can see everything you need to do set out in front of you. Once the wheels are set in motion you will feel a lot less stressed out.

P.S. Hope you have a good time on your date - where you off to?