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I will post my SOA but...

JuicyMango
Posts: 2 Newbie
...I just wanted to say hi and dip my toe in the water before I do, as I'm scared of knowing the ugly truth, because then I'll have to tell my husband & I feel sick.
I need a good hour uninterrupted to go through it all, which may take a couple if days but I HAVE to face up to this now.
It's not so bad that we can't make repayments, we always can but we do have to scrimp through every month, I just don't know how we can make extra CC payments when we already struggle to get through the month.
Sorry, bit of a brain dump, but hi *waves*
JM x
I need a good hour uninterrupted to go through it all, which may take a couple if days but I HAVE to face up to this now.
It's not so bad that we can't make repayments, we always can but we do have to scrimp through every month, I just don't know how we can make extra CC payments when we already struggle to get through the month.
Sorry, bit of a brain dump, but hi *waves*
JM x
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Comments
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We all need to brain dump sometimes. Welcome to the forum. Posting a SOA is a great start and you will get lots of helpful advice and support.
It will be a big step to tell your husband and I hope that goes well. I still don't think my partner understands the ins and outs of the flow if money in our house but he is on board now with our money saving (99% of the time!)0 -
Hi & welcome to MSE :wave:
You have made the first step so keep posting!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Thanks so much for the lovely welcome. I will most certainly keep posting as this takes up 90% of my thoughts every day, and our mortgage is due for renewal in Oct so I really have to tackle this now!
JM x0 -
Hi and welcome. Things might not be as bad as you think when you actually add it all up. At least you will know. Good luck5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000
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