Why do I Always Feel Like I Have No Money!!

TurnaroundSue

I feel guilty now as I have just seen the signature of Sea78 and should jolly well think myself lucky (I do though, and that's what I can't understand - why do I feel like this). I do apologise - for all of this some of you people are in much worse financial position than me and are still there for me!! thank you, thank you, thank you! I am humbly grateful

Kevicho

TurnaroundSue wrote:

I feel guilty now as I have just seen the signature of Sea78 and should jolly well think myself lucky (I do though, and that's what I can't understand - why do I feel like this). I do apologise - for all of this some of you people are in much worse financial position than me and are still there for me!! thank you, thank you, thank you! I am humbly grateful

Everyones situation is different and we dont prejudiced help here based on whether you are owing 10 pounds or 100000 pounds.

Great board this

TurnaroundSue

Kevicho wrote:

Everyones situation is different and we dont prejudiced help here based on whether you are owing 10 pounds or 100000 pounds.

Great board this

Aw! Kevicho - what a lovely thing to say - thank you so much - I love you all :rotfl: :rotfl:

southern_chick

Kevicho wrote:

Everyones situation is different and we dont prejudiced help here based on whether you are owing 10 pounds or 100000 pounds.

Great board this

That really sums up this site, its brilliant to find so many supportive people in one place :T

Sea78

TurnaroundSue wrote:

I feel guilty now as I have just seen the signature of Sea78 and should jolly well think myself lucky (I do though, and that's what I can't understand - why do I feel like this). I do apologise - for all of this some of you people are in much worse financial position than me and are still there for me!! thank you, thank you, thank you! I am humbly grateful

Don't feel guilty!
Honestly, I too feel humbled by many of the stories on here when people have got themselves into debt 9larger and smaller than me due t horrendous cirsumstances. I did it through not thinking things through & living on 'full'wages when I was off on mat leave etc and generally spending too much

Regards to the clothes - fill a wine box (ask local offy for one) and then list it all especially include photos of the more 'posh' ones (any designer or next, adams, gap etc) and give realistic postage (£10-15) and then you'd be surprised at what does go. I felt like this about not making much, but some items have come out at maybe 20p profit, whereas others £1 but I've put it all on a spreadsheet including listing price, clsing price, paypal fees, postage and it gives me (I had to learn the forumla things from the net!!) a lovely little profit total. Also, after telling EVERYONE I was clearing 'clutter' on Ebay, a lot have given me things to sell, either to keep the profits, or split 50/50. Well worth it!

Sea xxx

joeblack066

Definitely GREAT board, I feel so much more in control of things through this board, and this site, and that means I at long last sleep at night, which in turn makes my health condition better, so THANKYOU MSE!!

TurnaroundSue

Okay - deep breath - here goes - my SOA:

Monthly Income

OH - Around £2k (basic only - sometimes overtime bumps it up)
Mine - £600
Child benefit - £162 (goes straight into another account for emergencies)

Total - £2762

Monthly Outgoings

XMAS £100.00
PETROL £200.00
ALARM £4.75
MORTGAGE £600.00 Overpayments by £300 pm
GAS £35.00
ELECTRICITY £50.00
HOUSE INSURANCE £30.99
FOOD £250.00
TY HAFAN £4.34
AOL £30.00 £16 broadband, rest phone
SAVINGS £150.00
TEA FUND £10.00
TV LICENCE £11.37
COUNCIL TAX £95.00 Due to inc from 4/07
WATER RATES £37.80 Due to inc from 4/07
VODAFONE £25.00
ONETEL £10.00
SKY £43.50
STANDARD LIFE £31.93
LIFE INSURANCE £5.21
CAR PAYMENT £170.00 (Interest 3.9% until 10/10)
CAR INSURANCE £26.40 0% interest in instalments


Total £1900.00 (approx)

Thanks very much for any advice/tips you can help me with.

The_Economist

TurnaroundSue wrote:

I feel guilty now as I have just seen the signature of Sea78 and should jolly well think myself lucky (I do though, and that's what I can't understand - why do I feel like this). I do apologise - for all of this some of you people are in much worse financial position than me and are still there for me!! thank you, thank you, thank you! I am humbly grateful

I dont think you should feel guilty, because you have chose to live your life the way you have. Everybody has a choice, im not saying some one in debt is any less important than some one that has loads of dosh, we can all learn from each other.And as it has been said before this is the great thing about this site. Read, ask,disscus and learn.

katecheshire

Your SOA looks pretty reasonable - it doesn't look as if you're are paying too much for your services etc and it makes sense to over pay the mortgage as you can afford it. BUT you have nothing down for:
holidays
clothes for all of you
haircuts
pocket money for kids
kids' activities

as chevalier suggests, do a spending diary for a couple of months so you can see where your money is going - it's obviously going somewhere;)
I started doing one this month and it has been a great help. The fact that you know you are going to have to write it down makes you think before you spend!!

skintas_2

gas and electric 50 and 35 how come this is a lot to me, my bill this month was 310,80. because i had been paying £66 a month, they estimated and i never used it