Feeling Worried and Need Advice *with SOA*

Bunnie1982

I really need some advice, motivation and help putting together some form of action plan.

After being desperately unhappy in my job and being ill on and off throughout the year, the doctor has signed me off for 2 weeks with anxiety and depression with the view to signing me off for longer. I decided enough is enough and sent my resignation letter into work along with my sicknote.

A huge weight has been lifted off my shoulders but now I am really worried because although I will be paid this month and be able to survive, I am not sure what will happen thereafter if I don't manage to find myself another job. I am currently signing up with all the agencies and applying for Christmas work just to get me through.

I tend to pay a lot of the household bills like rent, water rates, food etc as most of husbands wages go toward CCCS for paying off his debts. I have a few debts too but am not on a debt management plan - am considering it though.

Here's our SOA:

Rent: £375 per month (I pay)
Council Tax: £102 per month (husband pays)
Electric: £10 per month (husband pays)
Gas: £20 per month (husband pays)
Water: £11 per month (I pay)
TV Licence: £10.99 per month (husband pays)
Contents Insurance: £7.49 per month (husband pays)
Telephone including mobiles: £35 per month (both pay)
Vehicle Finance: £128.25 per month (husband pays)
Spares/Servicing: £10 per month (husband puts in savings)
Road Tax: £15 per month (husband puts in savings)
Insurance: £45 per month (husband pays)
Fuel and parking: £40 per month (husband pays)

Fares and Travel: £22.20 per week - however as I am looking for work in local area I won't be spending this on travel

Food, toiletries and cleaning: £25 per week (I pay - 2 of us)
Pets: £10 per month (husband pays)
Clothing and footwear: £20 per month (husband has this allocated on his CCCS plan)
Medicines/Precriptions: £6.65 per month (I pay)
Dentist/Opticians: £10 per month (husband puts in savings)
Sports/Hobbies/Entertainment: £20 per month (husband puts in savings)
Sundries and Emergencies: £10 per month (husband puts in savings)

CCCS: £470 per month (husband pays)

My Debts

Natwest Loan (with interest) - £8566.95 - Monthly Payment £208.95 *edited to add this includes PPI*
GE Money Storecard - £750 (probably 29.9% APR) - Minimum Payment £30
Natwest Visa - £1532 (think this is 19.9% APR) - Minimum Payment £34 however I pay £40
Capital One - £183 (think this is lowest at about 14% APR) - Minimum Payment £5.83 however I pay £10

Husbands wages are: £975
Mine were: £958

I have already got another bank account set up seperate from all my creditors so moving money around isn't an issue. Also have access to a £600 overdraft however would ideally like to stay away from that as it's more debt. All my cards are cut up to prevent further spending on them.

Well done if you have managed to read this far

joanne0620

Just wanted to say well done for posting, that's the 1st step on the road to being DF! :T :T

There are lots of lovely people who wil give you some fantastic advice!

Keep your chin up!

anniestar

Well done and welcome.I know its difficult but getting rid of a job thats makes you unhappy is a great start. Being unhappy at work is something that colours your life and makes everything else look even more hopeless (when its not) The people on this site are compassionate,warm, wise and VERY expert and they will be able to give you tons of advice. Anyway ((((HUGS))))) and keep strong you have made a HUGE step. Annie X

Bunnie1982

Thank you both x

bluezone

Well firstly well done for dumping the job off - doesnt it feel better already?

I'm not that brilliant when looking at all the apr's on debt but to me your budget looks pretty good and you are not overspending - do you think you will be able to keep about the same amount coming in when you find another job?

lynzpower

I expect the first thing to do is call CCCS and tell them about your change of circumstances. Is the DMP in your hubbys name I take it?

With you being off sick will oyu go onto SSP ? or job seekers anything like that

try https://www.entitledto.co.uk

Bunnie1982

Thanks lynzpower, the CCCS is entirely in my husbands name so I'm not sure how I would go about joining onto it.

Thanks for the weblink, I will have a look at that