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19 year old, in 5 grand of debt - help!

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Comments

  • opinions4u
    opinions4u Posts: 19,411 Forumite
    edited 23 December 2012 at 6:50PM
    theboys wrote: »
    I also meant to say that I have not included my partners income as he is a nightmare for giving me any form of money and does not contribute towards our son financially or food shopping etc.
    Sounds like you've identified the unhappiness in your life.

    Get out of debt ASAP.

    Then, if he refuses to change (and a few blunt chats might achieve change), move on. This "man" is no role model for your son to look up to.
  • Own_My_Own
    Own_My_Own Posts: 6,098 Forumite
    Xmas Saver!
    Have you given everyone their presents yet ?

    If not put some away for birthdays/next Christmas. It may not help immediately but will stop the need to buy during the year.
  • kittiej
    kittiej Posts: 2,564 Forumite
    Part of the Furniture Combo Breaker
    Does your partner work and what does he spend his money on?

    In some ways you are fortunate eg no rent to pay but one day you will want a place of your own and what will your OH contribute then?

    Good on yer wanting to tackle your debts before it gets too late eh?

    Seriously val is right, you need to give your OH a serious talking to.
    Karma - the consequences of ones acts."It's OK to falter otherwise how will you know what success feels like?"1 debt v 100 days £2000
  • DCFC79
    DCFC79 Posts: 40,649 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Definitely have a talk with him, if he could take over the grocery shopping thats an extra £230 you would have to pay the debts. Maybe contact the pay day lenders and default or has this already been mentioned ? Are any of the catalogues on a buy now dont pay anything for 12 months ?
  • 365days
    365days Posts: 1,347 Forumite
    Can you take any of the presents back and go out tomorrow and buy cheaper alternatives? No one is going to enjoy a present if they knew you were getting into debt for it. If you can't takesend back but want to sell them after christmas (say baby's presents) make sure you keep tags on/in boxes as you will get more money.
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • DCFC79
    DCFC79 Posts: 40,649 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    365days wrote: »
    . If you can't takesend back but want to sell them after christmas (say baby's presents) make sure you keep tags on/in boxes as you will get more money.

    Good thinking, hadn't thought of that.
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