My soa

ceejaydee23

update, CC's have now agreed the payment plans, £25 a month for HSBC MasterCard (from paying 55) and Barclaycard agreed £36 (from 72ish) we got virgin package down too, Housing Association Agreed to us paying the full rent each week, £100 so the HB we are entitled to (that isnt being clawed back) which makes it approx £11 a week, is currently paying back any rent arrears.

Other half and I have also come to the agreement that his pay will now be paid into my account, and shifting all our DD's to another account So then all the incomings are incoming into the same account, and all the outgoings are going from the same account! So that we can see "whats left" more clearly!

janeawej

Well done! Sounds like youve got it sussed, good luck with everything

ceejaydee23

Well the next stage will be the council tax repayments, I was told to pay what we could over feb and march, and i think then i can make a proper formal agreement. Its getting there. Its just keeping the tight reigns on the weekly spending. Its bloody hard on £60 a week!

consultant31

I know we're supposed to be nothing but supportive on this thread, but a bit of 'tough love' is also support even if you don't like what you're hearing!

You seem to be really struggling and your previous post saying how hard it is to manage on £60 a week makes me wonder why your husband isn't helping more.

We all have to make sacrifices in life and yet your OH can't manage without his football? Why can't he do the same as thousands of other men and go down the pub when there's a big match on? There's no need for him to spend a fortune on drink while he's there and you would be saving so much money.

Fair enough you've managed to get the costs down, but it's only temporary and then it will go back to almost £100 a month :eek: and that's on top of the £12 a month for the licence.

IMO it's an horrendous amount to pay just to watch tv, especially when you're losing sleep over unpaid debts.

ceejaydee23

It wont be going to £100 a month cos the package has been cut! I'm no longer loosing sleep as i'm getting into repayments thats suiting us. Over the last year we have seen our income loose out by about £600 a month, so i think from where we were to where we have come now is a big thing! and i've done it myself.

We are JOINING our incomings and outgoings instead of running 2 or 3 different accounts, so at least im not just receiving say "600" from my other half and him then thinking "oh we got x amount left" after he had paid out what he had going out of his account and us ending up having at least 1 take away a week, me and my sons "lunches out" during the week, cos id go shopping right on lunchtime.

The new virgin package is £60ish now not £95, yes tough love can be hard to swollow, BUT I've had alot of health issues to worry about too, Id not been taking important medication that i should have been, (no not anti-D's either)

But why should my other half start going to a pub just to watch TV where the temptation to spend money that you so rightly said we dont have is?

I've seen what a man going to a club/pub to watch sport can be like, my father was an alcoholic and down the club from after his dinner to his bed time, we hardly saw him! and that was whilst my mum was trying to save the roof over our heads!

So now HE is seeing just how badly things are cos I'm showing him! we did have our heads in the sand and got greedy, I was too weak to say to him, do we really NEED to up the TV package, We'd just do it. BUT cos of my health issues and stuff going on with my daughter and bullying at her school, I was already down b4 the financial sh!te hit the fan. paperwork for this that and the other was coming in, id see figures think great, but not look at it properly. Not That I should really feel the need to justify my life and our poor excessive spending habits of the past to anyone else but ourselves!

As it is the past, and I plan on making sure debts and arrears are paid. In some ways I now think the matter is closed,

consultant31

ceejaydee23 wrote: »

So now HE is seeing just how badly things are cos I'm showing him! we did have our heads in the sand and got greedy, I was too weak to say to him, do we really NEED to up the TV package, We'd just do it. BUT cos of my health issues and stuff going on with my daughter and bullying at her school, I was already down b4 the financial sh!te hit the fan. paperwork for this that and the other was coming in, id see figures think great, but not look at it properly. Not That I should really feel the need to justify my life and our poor excessive spending habits of the past to anyone else but ourselves!

As it is the past, and I plan on making sure debts and arrears are paid. In some ways I now think the matter is closed,

I didn't ask you to justify yourself to me or anyone else, but if you ask for opinions, you have to be prepared not to like all of the ones you get.

I posted in good faith and there's no need to bite my head off!

ceejaydee23

I do apologise for biting your head off. When things are typed its not always easy to see the meaning behind it. Unfortunately the 19th had been a bad day for me, Id got some results from the hospital through and they weren't great news, along with it having been my late grandads birthday too.

The thing is, even when giving hard truth on these forums, you have to take into concideration how the other person at the other end will take it, from a post on a forum, you dont know if that person has suicidal tendencies, or have mental health issues unless they have already stated. I for one wouldnt want to be the kind of person, to resort someone to tears, purely from typed word on a forum, and then others post after to make it feel like they were laughing at me! That wasnt nice, which is why naturally my defences went up.

Its been a hard slog to get my other half to realise just what a mess things were in, and to co-operate with me, so that we are both singing from the same song sheet.

Not to mention getting my own health issues back on track. What with coping with the news of my nans terminal illness, and my mum n dad moving away, and our financial messes coming to light at christmas time (when we thought things were ok and coping) Its a lot for 1 persons shoulders to take in and turn around!

Its taken a couple of months But i think I'm finally there! in a place to say things are on the right track now. payment plans are being accepted, Rent arrears can be paid up in full within 4 1/2 months now maybe even sooner if we find the "whats left" is larger than we think.

Hopefully after March I can then tackle the Council Tax Department. As we now know our Council are freezing Council Tax for 2011/2012 so I know exactly how much We would be paying over the year. And how much on top we can begin to afford until the Rent Arrears are paid.

I have had some great advice on here, like reducing the package on the TV, I knew this would be the first thing to try and do, but i knew that was the one that would take my other half longer to accept, thankfully he did and tbh he hasn't regretted it!

And because the CC's I held were the 2 that were maxed out and in my name I have now gone into repayment schedules with them freeing up another £75ish a month. Thankfully both card companies agreed to the payments I could make.

I have also moved my Bank Account AWAY from the one with the debts, Personal Loan, CC and overdraft! and NOT using my Debit card unless absolutely necessary, BUT it does now help that if I do i'm with a bank that automatically removes that amount off the balance, instead of working out when it will be taken, and thinking, I can spend on money thats not even in the account yet!

Setting a weekly CASH withdrawal has also helped, I've always had a so called budget on paper but obviously it never got stuck to!

Now We have finally got finances under control, It seems things in the home are becoming a bit more under control and organised too. (wonder if it might work on my pre-pubescent daughter too)

Sorry such a long post!

jonjamie1970

Deleted, changed my mind about commenting, sorry |Mods

ceejaydee23

!!!!!! is that tripple post about is it spam?

consultant31

ceejaydee23 wrote: »

!!!!!! is that tripple post about is it spam?

I have reported it as spam but it won't be removed unless reported by others too so click the button