Broken down and very scared

little_miss_T

claire16c wrote: »

How are you paying for the flight to Australia?

Flights are all paid for now.. My man paid most of the flight cost, my brother paid for some for my birthday, and my mam and dad helped too, as well as my wages etc.

frugalsparkle

Hey read your thread. Great survival guide to life. You certainlyl have come through it shinning. Fair play to you.

So how long you staying in Oz? Bet your looking forward to a few weeks away after awful year.

little_miss_T

I will be there for 3 weeks.. I'm so excited.. Only 14 more sleeps.

nannyboo1

WOW what an amazing person you are. I am nearly 50 and don't think I could have coped as well as you have done.

Well done for rising above all the carp that has been thrown at you over the past few months.

Don't think too harshly about Globetrotters words they may not have meant anything bad by it. I have to admit that I had similar thoughts and if posted I wouldn't have meant them as a slight against you just concern that you have come so far and it all seems to have happened quickly in a couple of posts - that are actually a while apart. (nothing wrong in that I left my hubby - also emotional abuse - and within 6 months met my hubby and I knew then and there we would be together (10 mths later we were living together and are still here 17 years later) and remember that often when things are written the tone of voice used isn't shown . We also don't know how long you have been friends. Globetrotter was probably just concerned that you may be rushing into things.

Have a wonderful trip away and as has been said you may have a while to go before you actually get there again to live but you will have something to focus on to get you where you want to be. I hope things go as you want them to and sending positive thought s for you and your family after all your health problems.

TomMK

Good SOA LMT, except your holiday allowance is 0... Don't want to alarm you but you will find Australia is expensive thanks to the ridiculously strong aussie dollar right now.

So that may be a concern for your holiday, but it shouldn't put you off a move, since once you're living here wages are in line with the cost of living (so generally speaking you earn more but spend more compared to the equivalent lifestyle in England).

I have met a number of Brits that left their jobs in the UK and found work when they arrived. I don't know anybody that has really struggled to do so, but that's purely anecdotal, and things are tightening up here thanks to the recent wobbles in the US/EU.

You might be able to take a look at jobs market during your holiday?

little_miss_T

TomMK wrote: »

Good SOA LMT, except your holiday allowance is 0... Don't want to alarm you but you will find Australia is expensive thanks to the ridiculously strong aussie dollar right now.

So that may be a concern for your holiday, but it shouldn't put you off a move, since once you're living here wages are in line with the cost of living (so generally speaking you earn more but spend more compared to the equivalent lifestyle in England).

I have met a number of Brits that left their jobs in the UK and found work when they arrived. I don't know anybody that has really struggled to do so, but that's purely anecdotal, and things are tightening up here thanks to the recent wobbles in the US/EU.

You might be able to take a look at jobs market during your holiday?

This is my SOA when i come back.. all of my holiday money etc is covered (well will be when i get paid this much)

i havent included any savings to go there as i wanted to see what i can do about my finances before i even think about that. i want all loose ends tied up here before i go there.

i have done a new SOA too as my outgoings have changed slightly

thanks for your advice

xxx

little_miss_T

Monthly Income Details[/b]
Monthly income after tax................ 1000
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1000
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 200
Management charge (leasehold property).. 0
Council tax............................. 45
Electricity............................. 12.5
Gas..................................... 15
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 30.1
Mobile phone............................ 70
TV Licence.............................. 14.55
Satellite/Cable TV...................... 10
Internet Services....................... 10.21
Groceries etc. ......................... 80
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 80.9
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 6
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
tv/laptop............................... 74
Total monthly expenses.................. 648.26

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

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
moorcroft......................63........5.........0
edf............................121.......20........0
moorcroft......................151.......8.........0
b carter.......................235.......12........0
b carter.......................435.......12........0
chantry........................515.......5.........0
lowell.........................518.......5.........0
lowell.........................600.......5.........0
csl............................980.......5.........0
scm............................2082......5.........0
Total unsecured debts..........5700......82........-

Monthly Budget Summary
Total monthly income.................... 1,000
Expenses (including HP & secured debts). 648.26
Available for debt repayments........... 351.74
Monthly UNsecured debt repayments....... 82
Amount left after debt repayments....... 269.74
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,700
Net Assets.............................. -5,700

little_miss_T

Any ideas? Xx

TomMK

Everything looks good LMT, the only thing that stands out is I'd say you're paying too much for telephony, 100 per month for a landline and mobile is too much.

DS4215

If you really have £269 left over at the end of each month perhaps you could try some sneaky F&F offers to pay off some of the debts for lower amounts. Either that or just throw it at the smaller debts to clear some off (will make you feel better to owe fewer creditors) - you can just about pay off the top 4 debts in 2 months if you can scrimp an extra £32 from somewhere....