How do you do it???

amyloofoo

eyeopener2 wrote: »

That way when the inevitable boiler/car/children blow up you can use the emergency fund and still make an overpayment.
I know its easier said than done!

Your children blow up??? :eek:

OP, I agree with the poster above who recommended you post an SOA - I know it's fiddly and time consuming but it will really help people to give you the most appropriate advice, and will be useful knowledge for yourself too.

This can be done, don't panic... there are people on here who've been in financial positions that look appalling, but with good (sometimes professional) advice, better money management and taking control of finances all situations can be resolved one way or another. Have you considered contacting CCCS or one of the other debt charities?

Also, if you're now living together, I know it's going to be hard but you need to let your partner know about your financial position. If you have bills in shared names, etc then you may have an imact on his credit report and he deserves to know. Also, by not telling him you're robbing yourself and him of the opportunity for him to support you, and possibly help.

Best of luck :beer:

eyeopener2

amyloofoo wrote: »

Your children blow up??? :eek:

Just when you least expect it as well.

rising_from_the_ashes

always-skint wrote: »

Problem is there is always something popping up that needs paying for. It seems to be a vicious circle , For example, at the end of this month I'll be able to overpay £200 on one of my cards but my son needs a new school uniform and the car needs it's MOT. Daily expenses seem to be never ending too.....

For me, this is the key bit - I was exactly the same.

It all comes down to budgeting (which I never did ) - when you do your SOA, work out how much you need to put aside for each of these things and put the money into a separate account so it's there when needed and. as Eyeopener says, having an emergency fund for the "blow ups" makes a huge difference.