?to consolidate

RAS

stupid_girl wrote: »

have done SOA and here it is:-
salary £1200pm

outgoings

BT 11.00
WATER RATES 21.52 PM
CAR INSURANCE 29.11
SCOTTISH POWER 69.00 - this is massively high if this is half and high if it is the full amount
COUNCIL TAX 85.00 - is this half or the full amount?
SCOTTISH WIDOWS 13.91
SKY 26.00
PETROL 40.00

£295.54

LOANS

EGG 11,841.91 251.28 ENDS 01/12 @7.66% - are you allowed to make overpayments?
BARCLAY 5064.00 211.21 ENDS 10/09 ?APR- are you allowed to make overpayments?
LLOYDS 4396 214.70 ENDS 10/08 ?APR- are you allowed to make overpayments?
ABBEY Credit card 4200 100.00 15.9 APR
HUBBY 50.00 (PAYED O.D FOR ME)

Debt repayments £827.19
TOTAL 25,501.91:eek:

TOTAL money outgoings 1122.73:eek:

Hi

Is OH is paying the rent/mortgage and all household expenses?

Car tax, maintenance?

Clothes?

Two of these loans appear to be ending in the next couple of years. What is the amount still owing on them, rather than the amount for which they were first taken out? That will give you a more realsitic idea of your debt.

Really, in even the medium term, you are would be best fessing up to OH as three quarters of your income is going to settle your debts each month. He is asking because he knows something is not right and is more likely to be upset by you not confiding than by your debt. He would much rather it is debt than addiction or a lover and it is not going to be easy sorting this without him knowing.

That is not going to solve the issue however unless you can address the issue of how you got to the situation. What have you bought with this money?

Sometimes the answer proves to be that peple have nothing to show for it, other times one partner has taken out massive loans to fund a joint lifestyle or house renovation project.

Is there anything you can put up on e-bay? You are already looking for better paid employment. if that does not work, can you get additional hours or a part-time job?

Have a look for chevalier's excellent list of survey and mystery shopping sites as well.

There are lots of other things in the DFW portfolio but many of them would be difficult to manage if OH is not party to the situation.