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Update from Tink - I done it!!!
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tink28
Posts: 69 Forumite
OK so DH now knows about my debt (well £24k of it anyway)!
His reaction was the total opposite to what I was expecting.... I'm quite shocked. He was upset that I hadn't told him before, and said I should have been able to talk to him etc etc.
And amazingly he is going to help me out.... went through our bills yesterday and he is cutting down on a lot of the stuff we pay that isn't really necessary... got a bank meeting tomorrow to try and change mortgage to interest only - if its accepted then going on what I earn, and the bills I have to pay it will take me 2 years to clear the 24k... but I might try and get a part time job after Xmas to pay the extra stuff off... so Xmas 2013 is my goal to be debt FREE :j
His reaction was the total opposite to what I was expecting.... I'm quite shocked. He was upset that I hadn't told him before, and said I should have been able to talk to him etc etc.
And amazingly he is going to help me out.... went through our bills yesterday and he is cutting down on a lot of the stuff we pay that isn't really necessary... got a bank meeting tomorrow to try and change mortgage to interest only - if its accepted then going on what I earn, and the bills I have to pay it will take me 2 years to clear the 24k... but I might try and get a part time job after Xmas to pay the extra stuff off... so Xmas 2013 is my goal to be debt FREE :j
DFW (Beginning: 01 Dec 2012) - aiming for a DFD of Dec 2013
Abbey Loan - £0/£18,188, Natwest CC- £0/£2459, Barclaycard CC - £0/£6500, Natwest O/D - £0/£2668, FLM Loan - £0/£500, Avon - £0/£200, Studio Catalogue - £0/£300
PDLs: QuickQuid - £0/£660, 1 Month Loan - £0/£357.50, Payday Express - £0/£500
Total to repay: £32332.50 :eek: Repaid: £0
Abbey Loan - £0/£18,188, Natwest CC- £0/£2459, Barclaycard CC - £0/£6500, Natwest O/D - £0/£2668, FLM Loan - £0/£500, Avon - £0/£200, Studio Catalogue - £0/£300
PDLs: QuickQuid - £0/£660, 1 Month Loan - £0/£357.50, Payday Express - £0/£500
Total to repay: £32332.50 :eek: Repaid: £0
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Comments
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Thats great news Tink! Well done
JCG
xx:smileyheaMarried on 20/07/2012! :smileyhea
:DBought my new car 11/08/12:D:cool: Save £12k In 2013 Num 009! £5502/£5000 :cool:
Save £12k in 2014 Num 22! £2131/£3000
Emergency Fund £00 -
Well done:T It will be a hard slog, but you CAN do it
:A Your Always in my heart, you never ever will be forgotten-9/9/14:heart2:0 -
Well done. Really pleased to hear you've told him and that he sounds supportive, its definitely much easier to tackle debts if you are in it together.
(Although I would say it would have been best to tell him about all the debt).
Good luck with it all tink.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
Well done on 'fessing up' and glad he's okay and supporting you through it.
If you want more help you why not post up on SOAmake the most of it, we are only here for the weekend.
and we will never, ever return.0 -
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(Although I would say it would have been best to tell him about all the debt).
Good luck with it all tink.
To be honest the other debt is just loans etc through family, the main ones I was worried about was the serious debt, credit cards, loan, and overdraft.
With the extra money I will have each month I can pay the other stuff back without much hassle so its all good
I think I can still aim for Xmas 2013....DFW (Beginning: 01 Dec 2012) - aiming for a DFD of Dec 2013
Abbey Loan - £0/£18,188, Natwest CC- £0/£2459, Barclaycard CC - £0/£6500, Natwest O/D - £0/£2668, FLM Loan - £0/£500, Avon - £0/£200, Studio Catalogue - £0/£300
PDLs: QuickQuid - £0/£660, 1 Month Loan - £0/£357.50, Payday Express - £0/£500
Total to repay: £32332.50 :eek: Repaid: £00 -
Well done on 'fessing up' and glad he's okay and supporting you through it.
If you want more help you why not post up on SOA
I posted an SOA a few weeks ago but once I've finalised the budget I will post up the new one, altho to be honest there wont be much to cut down on being as DH has already done that
DFW (Beginning: 01 Dec 2012) - aiming for a DFD of Dec 2013
Abbey Loan - £0/£18,188, Natwest CC- £0/£2459, Barclaycard CC - £0/£6500, Natwest O/D - £0/£2668, FLM Loan - £0/£500, Avon - £0/£200, Studio Catalogue - £0/£300
PDLs: QuickQuid - £0/£660, 1 Month Loan - £0/£357.50, Payday Express - £0/£500
Total to repay: £32332.50 :eek: Repaid: £00 -
Well done - glad your OH was helpful about it. Maybe he's not so bad eh?....;)
Good luck in paying it off.May 2018 - £159k + £3.5K CC - let the countdown begin!
March 2019 - CC gone and bye bye M2 on 31st! £140k to go.:j0 -
Yay
Well done Tink, very pleased your DH was supportive Changing my attitude to money, one day at a time
Total owed: £2461.29/£2576.29
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Well I'm pretty shocked by the reaction to be honest...... maybe it will sink in today and then I will get the reaction I was expecting hahaha!
But have to give him credit for not even raising his voice :beer:DFW (Beginning: 01 Dec 2012) - aiming for a DFD of Dec 2013
Abbey Loan - £0/£18,188, Natwest CC- £0/£2459, Barclaycard CC - £0/£6500, Natwest O/D - £0/£2668, FLM Loan - £0/£500, Avon - £0/£200, Studio Catalogue - £0/£300
PDLs: QuickQuid - £0/£660, 1 Month Loan - £0/£357.50, Payday Express - £0/£500
Total to repay: £32332.50 :eek: Repaid: £00 -
Well done on telling him. We have a very similar amount of debt - race you? Debt January 1st 2018 £96,999.81Met NIM 23/06/2008
Debt September 20th 2022 £2991.68- 96.92% paid off0
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