Budgeting Service?

AngelPie78

Does anyone know of a service whereby someone takes control of your bank accounts etc and manages your money to show you how to do it?

After years and years of trying and failing, I have finally admitted defeat and need to confess that I CANNOT manage my money by myself. I need some serious help.

I'd like someone to have access to my bank accounts and help pay all my bills etc and give me a rollicking if I spend on the wrong things etc. That way, I'm hoping I can change the very bad habits I have gotten into.

At nearly 36, I need to get control of my life!

I've tried various debt counselling and the local council, as well as rung all the debt companies I can. They all assume that you are already good at managing your money and not spending it on things you shouldn't. I REALLY struggle with this and have had counselling but nothing has helped.

HELP!

dizzydoll

AngelPie78 wrote: »

Does anyone know of a service whereby someone takes control of your bank accounts etc and manages your money to show you how to do it?

After years and years of trying and failing, I have finally admitted defeat and need to confess that I CANNOT manage my money by myself. I need some serious help.

I'd like someone to have access to my bank accounts and help pay all my bills etc and give me a rollicking if I spend on the wrong things etc. That way, I'm hoping I can change the very bad habits I have gotten into.

At nearly 36, I need to get control of my life!

I've tried various debt counselling and the local council, as well as rung all the debt companies I can. They all assume that you are already good at managing your money and not spending it on things you shouldn't. I REALLY struggle with this and have had counselling but nothing has helped.

HELP!

Yes, it's known as your parent or legal guardian. :cool:
Something they should have done 20 or more years ago in your case!

AngelPie78

hehe yep I agree! But they didn't so I need some help now... x

AngelPie78

I thought there might actually be a service for this. So many people must be in a similar situation to me?

Unless I'm a freak? *probably* lol.

robatwork

Nobody is going to do this - who would you trust if not yourself?
So first you need to learn to trust yourself.

You do need some free advice though. Try here

https://www.moneyadviceservice.org.uk/en
http://www.adviceguide.org.uk/

AngelPie78

But I've have LOADS of advice.

"Make a budget and stick to it" is essentially what it comes down to when anyone gives you advice.

Surely, if the "stick to it" part of that doesn't work then you need more help?!

I've made countless budgets. I have enough money coming in, IF I don't overspend.

I overspend, something unexpected comes up, we eat out when we shouldn't, the car brakes, one of the dogs is ill etc etc... I have NO saving, I can't save. Money burns a hole in my pocket. It always has done and I don't feel strong enough to just "not spend"...

Anyway, thanks for your help.

AngelPie78

Just checked out those links...

Have already met up with the CAB. They said I need to budget and stick to it = waste of time for me [see above post]

Phone the money advice people and they just completely focused on my debt [not really worrying about that when I can't manage to pay rent/fuel bills etc]. They also told me to "concentrate on paying my essentials and utilities first". Yep,I know that. I struggle to do it. Can you help me? Nope. Sorry, we only help you to budget!

patanne

I've never heard of anything that will do this for you but why not try starting dealing with it for yourself with a statement of affairs. It will help you get control of your own finances and that is all it is about. We all have to learn and it is better if we learn before getting into debt.

Kite86

Have you tried having several bank accounts for different things to separate out your money?


E.g. you could have one current account that your income goes into with direct debits for all your bills to come out - and you don't touch this account at all (hide the cards away!)


Then you could decide on a sensible amount of spending money for the month (to cover all day-to-day expenses including food etc.) and have a standing order coming out of your first account into a second account - maybe a basic bank account so you can't go overdrawn. Then you only ever take spending money out of your second account.


That way all your bills are covered and you know exactly what you have left to spend.

AngelPie78

What is a "Statement of Affairs.

Before getting into debt? I owe over £30k. It doesn't bother me at all. I wish it did. Well, that's not true, it's starting to bother me. But I can't do anything about my debt, until I can pay my utilities and rent so there's no point worrying about the debt for the time being.

AngelPie78

Hi Kite, that's the kind of thing I've tried to do. Now I have three basic bank accounts which are all overdrawn with bounced direct debits, standing orders and card payments. I'm a nightmare - online banking is the end of me! I just "borrow" from one account for x, y and z when I'm out, then never pay the accounts bank, get into a mess and then get stuck where I am now.

I have three bank accounts, overdrawn to over £150 between them. I get £165 on Thursday which will cover the overdrafts (if i pay them all back) and then I have no money from today until the 20th Feb

I know I'm rubbish and I need to some help, desperately.

i just don't know what to do