"Simply not solvent!

Seaxwyn

Chev, fingers crossed for the move, what a good time of year to go to the southern hemisphere - two summers on the trot! Do you have to sell your home or are you renting? And will the oil thing be sorted out by then?

Crikey Sea, well done, you've done loads!! I always feel very satisfied when I mop the floor too (it doesn't happen often).

I have not done well on my editing. I keep getting rung up by my importunate clients. I need one of those six-minute timesheets people were talking about as I don't charge enough for this 'on call' sort of stuff.

Going to have a sandwich now and then try and do the editing. See you both later I hope.

Sea78

Right - gonna go and do some more at 2.30. Will try for just 2x 15 mins - one down here and one upstairs before ANOTHER break on here Will make a game of it with the kids upstairs (or attempt to if they don't try to kill each other).

At least the ringing clients are work

Chev - you working tonight then? I might be doing a bit of school work if others are working

Sea xxx

CharliesAngel

Talk about procrastination.... I have just sat and read the whole 19 pages!

It's fantastic to see you all so positive, and it's cheered me up

Seaxwyn

Wow charliesangel, 19 pages, you have some stamina!

Well OH revealed today that both his bank accounts are overdrawn and he's had £75 charges on one this month. He has a CC bill to be paid by the 16th - so almost certainly will be too late and that will be another charge.

I am so fed up. I have helpfully suggested all the things he can sell to get some quick cash in - eg the large collection of vinyl records which have not been played since 1994. He declines to do this. Nor will he do a carboot sale with his other stuff. He is the only person I know who doesn't even want to try to reclaim his bank charges.

Fed up. Fed up. Fed up. I don't know what to do, I fear he will always be like this. It makes my efforts to reduce my low interest debts look rather pointless.

Sea78

Not at all pointless - once you've sorted yours you can then put all your energy into nagging and sorting him which there is no way you can do now! Don't beat yourself up - it's all down to him and it's his responsibility. He needs to have his own LBM. You are doing amazingly well - don't forget it!

Sea xxx

taxi73

Hi Seax....Firstly you have my sympathy about OH..both for hoarding(mine does too) and for his lack of understanding of the situation.....apart from that well done on deciding to go down to the shed as that may help.Being SE really does take discipline so I sympathise with you.I agree with Sea ignore him at the moment and concentrate on getting your work done and paying off what you can.

hypno06

I know how you feel - my OH takes the head in the sand option but he does, in his defence, just hand the whole lot over to me to do. I open all the credit card and financial post regardless of who it is addressed to and deal with it now.

Today I have written the letters for the next stages of his bank charges. They will be thrust under his nose tomorrow with a pen and I will stand over him while he signs them. He will hand them back to me and I will post them.

If we didn't do it like this, he would be in terrible problems. Although I get tired of doing the money thing, at least by taking control completely I know we won't get into any deeper mess than is absolutely necessary.

Is this an option for you? Hard work, but in a way less stress?

Seaxwyn

Thanks for your kind words peeps.

Hypno, I wish I could take control of the whole lot but OH already deeply resents my level of 'interference' in his affairs. He's always telling me not to try to 'manage' him.

I wish I could find a way to make him see it's less threatening than this regular descent into debt but he is an old-fashioned man in some ways, and a lot older than me and still thinks of me as some ditzy young girl while he is a man of the world.

What makes me mad is that just this week, while he must already have been overdrawn, he was buying mangoes and goat's cheese, and new hard drives and network cardsd for his unnecessary project of upgrading all our already-good computers. It's one extreme or the other for him.

I don't really know what to do - carry on dealing with my own debts as per my sig, or step in and pay off his yet again. I can see the arguments for and against both approaches. The reality is that if I ignore his he will just get deeper into debt and so I will end up paying for everything anyway.

I wish all my posts weren't so long and negative! I wish my life would lighten up! Sea - can you send me another margarita?

hypno06

I think that I would carry on with my own, knowing that they were reducing, and staying reduced. The problem if you pay OHs off along the way, is that if he carries on spending regardless, you will be paying over, and over, and over, and never seeing the benefit of a reducing balance.

Perhaps when he is maxed out, he will have his LBM himself?

But that is just my opinion - and of course I don't know the ins and outs of how the rest of the finances work in your house, so it may be completely unworkable!

Seaxwyn

Just to show I'm not a complete whinger, I've sold eleven Amazon books this month - that's ten per cent of my stock. Amazing! I must think hard about new sources of books.

I've got a lot of large hardbacks that I have not listed yet as the postage would be so expensive, I should weigh them and work out if they are still profitable.