Lots of debt, infrequent work!

WilChil1964

Hi,

I hope I'm posting in the right place, I'm new here!

First of all, we have built up over the years a lot of debt - not counting our mortgage, we owe about £25,000. There are many reasons for this - I'm divorced and left my husband and started again with nothing. Also my partner has been made redundant three times in the last six years and now works as a contractor, but sometimes he'll be out of work for up to 3 months and as we never have a chance to build up something to fall back on, we live off credit cards during that time, which we have to pay off afterwards.

Anyway, my partner's contract ends in mid January, so I am frantically trying to gather funds to see us through the time between contracts. He is earning well at the moment, but we spend loads on repayments. I am cutting back on everything I can and saving as much as poss and I start work next Monday, only part time as we have small daughter at school.

How do I go about listing my debts here, like everyone else? I ran the snowballer and ran the calculator, but couldn't save or print either of them.

Sorry to be useless. I am totally despairing today and can't live with the stress of this any more.

Grateful for any advice.

lynzpower

hi wilchil

Firstly your best bet is to look at the "Sticky" by southern scouser- first time posters. then do a full SOA of your income & outgoings and debts.

Secondly, what does your partner do? Couldnt he temp between contracts to just bring a bit of money in??

WilChil1964

He does network support,very specialised and no temping available - it all goes through agencies. Plus our costs are soooo high each month because of all the debts we pay off!

I've done the SOA but couldn't copy and paste or print it out for some reason.

I think I'm just having a really bad day and should write it off and start again tomorrow. I've spent all day on the phone sorting out money things, cancelling memberships, sorting out credit cards - and they don't make it easy, do they?!

WilChil1964

Sorry, meant to say I read through the "sticky" before I posted, just couldn't get my head together about where to post this. and how to get the counters at the bottom of each email (i.e. when debt free, how much debt left etc.).