Would love to be debt free but budget is a nightmare

FinKite

You don't sound like you want help yet, you haven't really had a light bulb moment. When people have, they say "yes! I'll try that!" whereas you are making excuses for everything. Usually related to your husband.

What is this about "your husband says the storage people are looking for a downstairs unit" and "we might need more space"?

You save money NOW by moving everything to your home (don't forget insurance). Then if you increase your stock holding, THEN you moved back into storage.

Answer this: WHY DON'T YOU WANT TO SAVE AN EASY £140+ a month?

whiteguineapig

as a cat owner i feel quite worried about the cats

do you have adequate insurance for each and every cat?

worried48

pennies_from_Heaven wrote: »

And a holiday for him, and no cleaner for you???
When did you last have a little holiday? I bet not for a long time because you actually care about your situation....

Well, I confess, three nights in Europe last January collecting and delivering cats with a friend. It was a very interesting experience! In my defence, that was the first holiday I had since 1995, unless you count single nights away of which we have had two together since we married and I have had two more when my father was in hospital and mother needed support. We didn't do a honeymoon either, unless you count stopping off at McDonalds for a burger on the way home from the wedding :rotfl:

worried48

FinKite wrote: »

Answer this: WHY DON'T YOU WANT TO SAVE AN EASY £140+ a month?

I do! He won't have the stuff here! Honestly! So it's keep it where it is, throw it away or ebay it.

worried48

whiteguineapig wrote: »

as a cat owner i feel quite worried about the cats

do you have adequate insurance for each and every cat?

O gosh no, the great majority of breeders don't insure, it's completely uneconomic to do so for the sort of numbers most of us have (most have a lot fewer than I do!). We invariably work on an understanding with the vet that we will pay when we can. Some breeders have a bank account just for the cats, or a credit card just for cat emergencies. I've never managed to get to that stage but it might be possible before too long I hope.

cyclura

Insurance is generally void for breeding females of many animals anyway, it is for mine so I put a little away every month in a vet account.

whiteguineapig

i see, thank you for answering , good luck

worried48

cyclura wrote: »

Insurance is generally void for breeding females of many animals anyway, it is for mine so I put a little away every month in a vet account.

exactly. One company offers it at a high price but you can't claim on it until soemthign like 6 months after you started paying the policy! I think there is another company that does a slightly better deal but it is hideously expensive. It's got to be, really.

Running_man

Sorry if this sounds harsh.

Your husband to me is bone idle-Redundant 30 years ago-And bet he been claiming benefits.Either before he met you or even with you.
You say he wont do this wont do that-course he wont you let him get away with it.He wont discuss things-Fine sell his books etc.Without telling him- any complaints tell him well you try to discuss things but he didnt want too.Same with his debts
Could write alot more he acting like a naughty child and you indulge him.

he has got it easy- you doing all the worrying
You say you live rent free well alot of people would love to do that.So even your dad making it easy for you both.You should be extremely well off.OH not treating you as an equal he just taking advantage
Stop making excuses for him.

As for tackling debt -dont think you have had a proper LBM.
For instance £35 for a cleaner £34 pound for a unit barely used £180 on cat food,Breeding cats is not a business but a hobby you say.Sorry but over £9000 per annum on a hobby when you in debt dont make sense
Realise it does sound harsh but think you need a reality check

catandy

ive been following the whole of your post with interest as it almost exactly tallies with my situation - I'm in business with my ex and like you its just about showing signs of becoming profitable and things moving in the right direction, ex does or rather did nothing to move the business along and does nothing to help with living expenses/ business expenses (he still lives in the flat with me until hes in a position to move out - long story...) and I pay all the bills/ kept the business afloat whilst it was getting to the position it is now and keeping a roof above all our heads with little to no help.

you know what I've found with all this going on? that eventually you run out of options / money/ credit/ juggling opportunities and you have to face the music - for us it was as flat mates and business partners for you it will be as a couple and business partners.

My ex sounds like your hubby - didnt want to do the 'money conversation' and more than willing for me to shoulder the responsibility and then moan that we didnt have the money to do something business wise or that I moan to turn off the heating at home that we cant afford it.

LBM for ex was when I told him that he has to do his fair share, both on a practical level and financially. He's resisted it all the way (doing a good impression of a spoilt child with all the objections thrown in - sounds a bit like your hubby ).

Anyway fast forward 3 months of me prevaricating due to his 'making it difficult' and I really dont have any options now - he has to run the business and I've had to sign up for a DMP which at current calculations will take me over 9 years to clear. He is responsible for getting on with making our business work, me I'm concentrating on keeping my head above the water.

Moral of the story - by running a business and home together your monies 'cross over' at times particularly when establishing it and growing it (im sure you undertand what I mean) but to make it worthwhile theres got to be some give and take. He currently sounds like he knows how to do the latter...

I hope you sort it out before you get in the same 'no choice' situation that ive ended up. For your future and for your own sanity as well.