Back and Feeling rather ashamed!

pania

So, the SOA. Right, here goes, gulp.

Rent 525
Food 50
Petrol 300 (but get this back x lots in expenses, all business miles)
very low personal mileage
Pet Ins 10.24 (not being cancelled as had it 3 months and they paid
£3000!!!)
Car ins 23.36
Mobile 45.00 (in theory!!)
Saving 5.00 (per month for my niece,only kind gesture i can make
at this distance)


Debt repayment

Northern rock loan 274 (taken out by dad even though i wasn't
agreeable large rock around my neck)
Nationwide loan 90
Nationwide CC 30
Halifax Loan 20
Halifax CC 11
Welcome Finance 95
Provident 52.50 (max amount depending on when he can be
bothered to call, sometimes £10.50 less, priority
to be dealt with.)
Training grant 50 ( interest free and payable aaw so not
counted in sig.)


Total incoming each month Min £1650
Total outgoing each month £1581

Leaving me £68 for everything else i need!!!! birthdays, haircuts etc etc.
I KNOW my teeth need attention as quite painful but i just cannot afford to pay for a dentist. our local NHS one isn't taking people on at the mo. OH's parents want us to go to on holiday with them but i can't afford the flight and OH hasn't mentioned anything about paying for his. woul dhate for my first month of good money to gt taken up with that when i could put it to so much better use.

anyway i'd best get up and do something but atleast i have a full update to work from now.

Have a great day everyone!!
P
xx

scaredy_cat_2

hey pania - no apologies needed!!! how annoying when computer messes up post - when i first did my soa this happened i could have cried!

just a pop as sooo tired off to bed but will come back - you have inspired me with your new soa and i have sat and got my food budget and weekly budget set up - i also opened my spreadsheet for the 1st time in ages - so thanks for that - got my dh to start investigating matched betting - wish you and hypno lived in devon!

right will catch up soon, take care all

ps pania great news about the £1500 - how great

hypno06

Hope you have had a good weekend, and made the most of the DFW beer!

Is it Plummers dentist that you tried in town? I am pretty sure they have NHS capacity in their Thorpe surgery so might be worth a call there?

blackangeluk

Hi Pania

Well done on posting your SOA :T but :mad: to Dad re Northern Rock loan.

Can't see how you can cut back on anything, apart from OH's spending. If you pooled your funds would you both be any better off at managing the debts?

Off to bed now, I am around on gmail tomorrow if you want to go through that stuff?

pania

bonus and most definately! thanks BA, thanks for the advice on the dentist Hypno i'll give them a call and find out. No way we can pool the incomings unfortunately, my debts are my debts and down to me to clear them!
Off to bed now so chat tomorrow.
Big hugs
P
xx

hypno06

Hi P, hope you are ok. Did you manage to get a dentist sorted? Hope you are nice and busy sorting out lots of mortgages and earning lots of lovely cash.

pania

I'm trying to earn lots of cash, need to get away from DFW and concentrate on work for a while. Just heard i've clinched a 280k mortgage from HSBC so that one will be quite nice.:T off to coltishall again in a bit to do another one so got about 5 in the pipeline now, god i really have got to get going with some work!!
I've not managed to look into the dentists yet but is deinately on the to do list. Prob is i am incredibly phobic of needles, i know i know sitting here now it sounds crackers but come near me with one and the incredible hulk has a good competitor!! (unintentionally:o ) so think i may be delaying deliberately:eek:

Ok i'm going to have a moan so look away now if easily affected by these things!!
:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: BL**DY MEN!!!!:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:

ok, now, I, admitedly earn more than OH, but with my debt each month i am worse off than him.

He in theory has £350 Pm to himself after everything. but it is the 3rd and his money has GONE already!!!!!:mad:

HE cannot explain where to except, i just spend it and don't bother checking my account," you WHAT!!!!:eek:

He's had £150 charges this month and has happily let them just take it putting him £150 over his overdraft limit and incurring charges again for next month.

He won't call the bank to see if he can increase his overdraft to cover it and he is too bl88dy lazy to apply for the alliance and leicester account on quidco.
So i am left with £70 to feed us with til the end of the month, he didn't even give me the full food budget this month and he east like a whale. Luckily we have quite a bit in the fridge/freezer already. So once again all my hard work has gone to waste, my hard work matched betting and ebaying has been for nothing as once again i have to use this money to support us.
I have £38 myself for spending money until the end of the month, thats regardless of the mouldy bills and they are increasing the pressure a little now, just hope i can hold out until end of july when i can pay them off.

I offered to take us out on an orange wednesday tonight i figured ticket £6.50, buy a can of coke and packet of popcorn at the shop on the way there, have a nice night out for about £8.50, thats ok! was told he couldn't give a castlemaine four x if we went or not!!


I have given up arguing as it just doesn't work but i'm fed up with this.
totally totally fed up. Sorry for the rant just had to get it off my chest.
Thanks for "listening"
p
xx

nicola1982_2

Hi Pania - sorry I'm kind of late on this thread but I'm with you on the diffiulties of being a DFW with your other half. Sometimes they just don't understand and think you are being tight.

blackangeluk

Hugs P

All I can offer is a suggestion that OH has a great big kick up the !!!!!! It certainly doesn't sound fair that you are making all this effort and then you end up back at square one - not sure what to suggest honey.

Would it be possible to have a joint account where you each put your contribution for the bills, food, rent etc and then you keep your own separate accounts for the amount you both have left? Maybe that way you would keep control of the housekeeping and your efforts would pay off your debt? This would mean that the household bills are dealt with at the beginning of the month and you won't be paying extra out.

Hope you have a good day.....

pania

Hiya nicola. he knows exactly my situation he just doesn't care. I don't understand where his money goes or what on. as they say you can lead a horse to water.. ... i wouldn't care if he was just affecting himself but he is upsetting me and affecting my DFW plan also.

Good to know it isn't just my man and i hope you're doing ok. IS quite unlike me to moan, i'll bounce back tomorrow!! so please stick around!! Do you have a diary yourself? Prob moaning lots as i'm not to well at mo is prob just getting me down a bit.

Have a great day and thanks for posting.