Broken down and very scared

little_miss_T

Triggles wrote: »

Something to consider...

Your SOA shows £269 per month available after everything paid, but that's not really accurate, as you are still smoking. So that's really only £169 per month (basing that on your previous £100 per month for smokes figure). Regardless of it being a relative that is your landlord, you still should have contents insurance. And are you realistically spending £0 on entertainment or gifts/presents (family birthdays, christmas etc) for the year? And no emergency savings? i dont save for them, i buy when they happen.. i only buy gifts for my mam and dad and niece and nephew

I would say realistically it is going to take you a good 12 to 18 months minimum to be in any position to move to Australia. i know this.. i want to get everything in order here first You could be using that time to get some of these debts paid off. I'm sure you've heard it a hundred times before, but consider checking into the NHS stop smoking programme. Why waste £100 a month if you can kick the habit and have that money towards your debt?? i really want to but i have no will poswer for that right now

You have been through a rough patch, but don't take offence at the advice of those who are advising caution. Some of us have been there. It's very easy to jump from one abusive relationship right into another. Nobody wants to see you jump from the frying pan in the fire, so to speak. And yes, I know you'll say "but he's different than H." Yep, and he probably is. But then... I would imagine when you married your H, you never imagined he would behave the way he did either. It never hurts to simply be cautious. i understand this, and i am being cautious

Much as everyone is pleased that you have a holiday in Australia, keep in mind that the more money you throw into the holiday, the less money you are using to pay off your debt. I can guarantee you that if you are paying reduced amounts on your debt and getting interest frozen, it doesn't look good that you are saying you can't afford your debts but you can swan off to Australia for a few weeks for a holiday. i didnt say i couldnt afford to pay my debts, i know i can, i just wanted some advice on how to make the most of the money i had left to clear them quicker And before you get defensive, you must realise that this all comes under the heading of "priorities." The debt payments weren't reduced so that you'd have more money to take holidays abroad. im not going to get defensive, but i will say that my debt payments have not been reduced so i can go on holiday, they have actually just been increased despite me going on holiday.

As I said, I agree you've been through a lot in the past year. But you did ask for advice, and there will be some perhaps that you don't like. But that, as they say, is life. I do feel that you need to rethink your priorities just a bit now. It's hard to do, I know, and we all struggle with it here and there.

i couldnt disagree more.. i have my priorities right.. i dont go out on weekends and spend silly amounts of money on the drink, or go shopping and buy new clothes all the time.. i dont have luxuries (other than this holiday, and i havent had a holiday for 5 years) which most of it has been paid for by my partner and family as birthday gifts.. i have not hid away from my debts, i have faced them, and i pay them every month. i just wanted to know how i could go about clearing them.

again im not getting defensive, i just think you may have misunderstood me and what i was trying to achieve by asking for help

little_miss_T

pipsqueak1 wrote: »

...you can't legally change the locks.

that has confused me..

little_miss_T

well, im back... xx

dell33

little_miss_T wrote: »

well, im back... xx

and..............:j:j

Welcome home, hope you had a great trip. :beer:

lemonpopsicle

O;)ooh let us know how you got on!

little_miss_T

It was amazing. everything I hoped for and so much more.

I have never been so happy in all of my life. Going back in february.. I'm so excited.. Life feels like it Has finally turned around for me.. About time too

dell33

little_miss_T wrote: »

It was amazing. everything I hoped for and so much more.

I have never been so happy in all of my life. Going back in february.. I'm so excited.. Life feels like it Has finally turned around for me.. About time too

Well done to you, happy planning.

little_miss_T

No I was wondering.. Where is the best place to sell things. Obviously eBay.. But what about big things.. Like my bed for example.

loveGSDs

car boot sales are a good way to make money, worth a shot

xx

little_miss_T

Trouble is I don't have a car boot :-)