Help me... I guess it's time to just reach out and touch...

hypno06

Morning - hope you managed to get some sleep.

As said before, once the SOA is put together and posted, you will get lots of advice from those that have been there, done that (couldn't afford the t-shirt unfortunately, but that will change).

You will very soon feel back in control of the situation and that is a very powerful feeling.

Once you know exactly what you are dealing with, it is so much easier to tackle, so we look forward to that SOA later on. In the meantime, you know that you have taken the biggest step forwards.

If you are a fan of the diaries on here, start your own!! It could motivate you and as you already know, can be a great motivator for others who are lurking.....

Sea78

Hi :hello:
Sorry to hear about the lost post - and yes, when you first tot it all up, it's a shock that can take a while to get over but with the help of this site and your own determination and will (this will become stronger than you thought possible!!) you can beat it and start on your quest to become debt free!

Hope, like Hypno said, that you managed to sleep and are doing ok today.

sea xxxx

System

Hello mate, welcome to DFW, it's a wonderful place. The advice on here, not only monetary/debt related, Ive found is second to none. As Southernscouser said 'He doesn't even take a !!!!!! unless he has consulted MSE first. Beware, this site is addictive and you will spend coutless hours on here, receiving advice, giving advice, parties etc etc. Anyway, I suspect you totalled up your debt and felt sick. Like most of us on here, you have a rough idea how much you owe but invariably it ends up being more. I was about 17K out on mu estimations. Get your SOA up everyone will look at it (not me I'm rubbish at SOAs) and standby for some great advice. Lenny

PanickingHARD

Hi guys... and thanks to you all...

I didn't really sleep at all last night... I honestly can't remember the last time I slept for more than 4 hours... Had to force myself not to come back on here... you are all right... It's very addictive, isn't it? I'm gonna try and re-type my SOA and a bit more on my story (for the nosey ones :-) ) this morning as my boss is out...

There are some very imminent payments needed, so just as a pre-curser, if any of you could have a think about how I could get together about £1,000 in, like, 3 days, I'd be much obliged!

The last part was my uber-lame effort at 'gallows humour'... ;-) If Y'all could do that, none of us would be here for very long, would we!!

Waaaah....

Mrs_Beatson

PanickingHARD wrote: »

... Even jokes at my expense... At least I'll get a laugh!!! :-|

Thanks all...

Hi there
I've been wracking my brain for something funny to say at your expense but damn it, debt worries just aren't funny, are they !!:rotfl:

I've recently posted my own "OMG help me" thread and can assure you that everyone that reads your post will do their best to help

Some of us are so new we can only wish you luck and take your arm along the way in case you stumble.

There WILL be a solution to this and in my experience the worry far out weighs the actual problem!!

take care x

Mrs B x

Annie_Fanny

Mrs_Beatson wrote: »

There WILL be a solution to this and in my experience the worry far out weighs the actual problem!!

I would 2nd that statement. I think humans are super inefficient. Those of us who are prone to worry a lot tend to make mountains out of mole hills and get ourselves into a right old tizzy! Truly the best course of action, although hard, is to tackle the problem head on. I have had to learn this as a way to approach life and it makes a huge difference. I am the original worry-guts and even joke to my OH that I am going to change my surname to Fretwell!

Lucy1982_2

HI and Welcome. :wave:

Your right it is really scary to see that figure in black and white. As for raise £1000 in 3 days, I'm not sure I'm all that able to help, but have you started Ebaying/Amazoning things? I've made about £50 in the last 2 days? Ok it's not a grand but it's something!

Post your SOA on here and we'll all pop in and have a look... we really are nosy you know!

But your in the right place, prepare to become addicted and wonder what you did before you found this place. It's the start of a long and exciting journey to becoming debt free. Remember that while it seems scary now, give it a few years and you'll wonder what you worried about, you'll be debt free and able to do all the things you wanted to do. But this time you'll pay for them upfront and not after!!!

Keep smiling. I'm going to subscribe to you thread to keep and eye on how you get on. We do root for the people on here!

Good Luck x

PanickingHARD

Thank you all again... you wonderful, wonderful people!!!

If nothing else happens, this forum, and you people, have restored my faith in humanity... So thank you for that!

OK... well... I'll cut the chit-chat for now and just get on with it...

This is as best I can remember without having my info to hand... Any corrections will be made tonight/tomorrow, but I’m sure it's 99.9% right, as per last night... I spent long enough staring at it in disbelief for it to burn a permanent scar on my brain...

Monthly Incomings:

My salary - £2,089 (Just started new job and am on BR1 tax code, so will be circa £2,200, I think… plus they owe me back payment for last 6 months of my previous employment at a similar rate, plus since 23/04/07)

Total - £2,089 working on MIN…

Monthly Outgoings:
Bank Account Fee £15.00
Mortgage / Rent £850.00
Buildings & Contents Insurance £6.00
Council Tax £108
Water/Gas/Elec £60
Phone/Net £35
Mobile £35
Food (home) £130
Lunches at work £75 (£3.50 a day)
Alcohol £150… I know… (£40 or so in Flat, one/two nights out a month)
Smoking £170… good god…
DVD rental £15
TV License £11
Petrol: £60

Total: £1,720… Sigh…

Debt:
Bugg@r… ok… here we go…

Cards: (p/m’s are approx min payments)
Citi – £1,500 – £40 p/m
Virgin/MBNA - £6,000 - £100 p/m Stupid, Stupid, Stupid… Was clear in Oct 2006...
Mastercard - £8,700 - £190 p/m

Much of this is cash advances… the APR’s will be despicable… circa 18%, I think… *Must learn to read smallprint*

Loan:
Circa £6,500 - £187 p/m

Overdraft:
£1,200… interest is charged, but no fee… not sure of %age, but will find out.

Other:
Holiday… booked when in employment before redundancy… need to find £700 by tomorrow or the holiday is cancelled… will ruin 3 other peoples (plus two kids… my nieces) summer, and lose them all £250 each in deposits paid, and mine…
Mates: Owe £120 to a mate and have done for FAR too long… He has been great about it, but is not being any more…
Parents: £3,000………. The most shameful of all…

Total debt: £27,720........ :mad:

dubgirl

Hi PH and welcome. just had a brief look at your SOA. Is there anyway you can reduce your mobile bill and your work lunches - could you take sarnies? I'm sure others will be along soon to help further.

Mrs_Beatson

lennymfo wrote: »

As Southernscouser said 'He doesn't even take a !!!!!! unless he has consulted MSE first. Beware, this site is addictive and you will spend coutless hours on here, receiving advice, giving advice, parties etc etc. Lenny

WAYYYYY WAYYYYY too much information! :rotfl:

although this site so big and so good I bet somewhere there is a thread about it...lol minimum number of sheets of paper required, perhaps??

Lenny is right though! take advantage of all the time saving ideas too, you'll need them to make up for the lack of time you have from pottering about on this site!
I would recommend the "old-style" boards too. Loads of tips on where to buy things cheaply, save a few pennies etc etc a few pence saved here and there and you've got a couple of extra bob in your pocket!

Good luck sweetie x