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Up to my eyes in debt & see no way out

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Comments

  • Muhren
    Muhren Posts: 1,705 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi harrys dad.

    I know it would be a huge decision, I'm not sure if I am just looking at the short term benefits over the bigger picture but it does seem like a a plausible option to think over.

    I did start a thread yesterday and a couple of people seem to think because of my situation (i.e no kids and living at home) that VR is a viable thing to do.
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016
    Gambling: The sure way of getting nothing from something.

  • Morglin
    Morglin Posts: 15,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    diamondfan25 wrote: »


    My current debt is about £20000 .
    I work part time earning about £185 pw (cash in hand)
    I have also taken on another night job which brings in £320 pm (paid into bank.


    I don't want sympathy I just want good advice and help please

    Unless you want extra problems, it might be wise not to advertise you have a 'cash in hand' job on a public forum.

    The Tax office will not be amused.:eek:

    Lin :)
    You can tell a lot about a woman by her hands..........for instance, if they are placed around your throat, she's probably slightly upset. ;)
  • diamondfan25
    diamondfan25 Posts: 56 Forumite
    edited 27 March 2014 at 5:18PM
    I get taxed on that amount & have proof so nothing to worry about as I ring tax office every 6 months to check I'm paying enough!!!

    But thanx anyway!!!
  • diamondfan25
    diamondfan25 Posts: 56 Forumite
    Morning guys!!!
    Not been on here for at least 3 months but everything is bloody brill!!!

    My money/gambling/spending situation has improved massively... Never did I think I could be this sensible when it comes to money!!!

    I have 1 more payment of £250 to go on 1 of my massive debts, and if everything goes to plan (paying £500 a month) then I'll be debt free still by christmas 2014 eeeekkkkk!!!!

    I know I still have a long way to go!!!

    The relationship between me & my hubby is fantastic aswell!!! We openly talk about money & the trust is slowly being gained back, hubby is always telling me how proud he is of me & how well he thinks I'm doing!!!

    We even went shopping into leeds in Saturday & I treated us all, something which I could never of done ever!!!


    Thank u guys for all your support & this site has been an absolute godsend

    Have a good day xx
  • Muhren
    Muhren Posts: 1,705 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sounds like you have really turned things around and are doing great, keep it up.
    LBM: Dec 2012 - Debt £38,180/ Now £0.
    DFD - 17/04/2016
    Gambling: The sure way of getting nothing from something.

  • JustAboutThere
    JustAboutThere Posts: 523 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    So pleased for you. Well done and keep it up.

    I told you that you could do it :)
  • heartbreak_star
    heartbreak_star Posts: 8,288 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Rampant Recycler
    Ahh Diamondfan that's great news!

    Thanks for the update :)

    HBS x
    "I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."

    "It's easy to know what you're against, quite another to know what you're for."

    #Bremainer
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