HELP...one step forward three steps back

CH27

Why have your Tax Credits dropped so much?

d3mon4ngel

inamin wrote: »

THat includs calls which we make which are not free (such as companies etc)

Not sure what else to suggest, but make sure you are using saynoto0870.com for company phone numbers to help bring down your phone bill.

inamin

Thanks for the replies guys, Re the cars, we really cannot do without both, it simply works out more expensive than having them. They are both paid for but necessary.
My hubby is driving me up the flaming wall, he is a complete ostrich (likes to bury his head in the sand) He has decided the other day that now is a great time for him to get a brand new mobile phone on contract at £25 per month for 24 months!!!!!!!!!!!!!!!!!!!!!! I am working my A**s off trying to get rid of our debt and he just doesn't seem to get it! We've only just sorted out his credit file due to a major issue with Lloyds (entirely their fault registering false data with credit ref agencies!!!) and now he's risking that because we are already £250 a month short and so how the hell are we going to be able to pay the £25 extra. I can see what will happen, we'll miss a month and his credit file will get a mark on it and it'll all be my fault.
Sometimes I feel like giving up. I don't see what the hell else I can do. I'm running around like a the proverbial blue ***** fly and feel like I'm doing it all on my own, worse still it almost feels like he's working against me.
I know you will all advise me to sit down and talk to him openly etc. but in my relationship when it comes to money that won't work.
I've drawn up some adverts for ironing services, desperately thinking that if I can get 27 baskets a month then I'll cover the stiff we owe but then theres the bloody gas bill and elec bill (not on the list) which still need paying letters received today saying they going to come round on 19th. (Hubby will be abroad then - looking after his father who is having surgery - his parents covering cost of visit) To be honest I'm glad he's going at least it will save on food etc.

I won't give up, I'm so !!!!ed off with being in debt I don't care what anyone does to me I WILL get rid of it sometime. I have today called up my BArlcay credit card and told them to close my account, they had upped my interest rate so I told them I wouldn't accept that and closed the account, no temptation now to spend on it again. That will come down now very slowly but will come down.
Don't know what to do about MBNA my monthly payment has gone up from about £55 to £85 per month due to some changes in the way they work out the minimum payment!!! Don't really understand it but god that's a big increase!

ANyway I'm waffling: Sorry
So here's what I'm doing to earn money:
Working full time as a teacher
Tutoring in my spare time (looking at trying to get another student in near future)
Mystery shops (although there are only ever a couple each month in this area)
Selling cards ( I have been designing and making hand made gretings cards for over 12 years and have put a page on facebook to promote them and have been reminding friends and family so hoping to get a few orders. - Prices from £1.20 so please message me if you want to see any examples )
Ironing (Haven't started this yet, have drawn up some fliers and a poster to stick up at work - £10 per basket)
Moving credit around ( I am thinking about asking hubby to apply for a credit card in his name (all in mine at moment) as he should be able to get a 0% balance transfer deal which will make some of our borrowing cheaper - is this a good idea?)

I need other suggestions, it has to be things I can fit in around the full time work and the kids. I know the answer is to slap the hubby but I need other help for now until I feel I can talk to hubby about it all. I tried to talk to him about the idea of claiming benefits as he's not working but he says he won't. There really is no way I can have that conversation so as much as I know it is what should happen please don't tell me to talk to him and get him to claim as there is nothing I can do to change him.

I have thought of trying to do (less respectable, higer paid) jobs but can't even find anywhere here where I could do that either!!!! I'm at my wits end....

Sorry I have just read this message and it is the ramblings of a mad woman or seems that way. I am just venting and writing what pops into my head. I'm so sorry. x

impulsive

If your cars are fully paid then I suggest you sell them and get 2 cheaper cars.

You could easily pay off a chunk of your debt to cover the deficit you now face.

At the very least you could sell one car and clear the Lloyds loan of £1500 then your saving £248 a month! Use whatever else is left to get one cheaper car.

snookey

Hi can your children be dropped off early to school say at a breakfast club. That way you could get rid of one car . Please dont take this the wrong way but how ill is your hubby. Could he do some work from home such as data input Iv been told that lots of companies look for people to do freelance work.