We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Get me out of here.....
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
[Deleted User]
Posts: 0 Newbie
Well - I have been lurking on this site for many years and have had a couple of glimmers of a lbm with regards to my debt but due to family bereavements I have lost my way very quickly.
However following three incidents my lbm is at full force.
First, returning home from holiday last Saturday to find neighbours had demolished the hedge between us and replaced it with a fence whilst causing a lot of damage to our garden:mad:. And because we rent it didn't matter as they had spoken to our landlord.
Second, went to draw money to go to dentist on Thursday to find we were over our overdraft limit and the credit card was at its max so had to go to dentist and owe them the money - need to pay next week:o.
Third, neighbours at the back are currently hacking down the hedge between us and them and will be putting up a fence.
At the moment feeling very insecure and unable to say or do anything as we rent so we need to move on.
Firstly, we need to quickly clear our debt and then save enough money to buy a small property where I will feel safe as this is very important to me.
We have a total of £30713.78:eek: worth of debt - dated 22 Aug 2014 which is when I last totalled up. I will do a new budget and a new balance on our debt later today. This has been built up over 30 years where by our overspending as be dealt with by getting new loans and CC but the end as come as we no longer have any chance of moving the debt around so we have to pay it off.
I have already joined grocery challenge to try to control my food spending and have started to cook from scratch instead of living on takeaways and eating out.
Need to go and sort my budgets out and will be later to update.
However following three incidents my lbm is at full force.
First, returning home from holiday last Saturday to find neighbours had demolished the hedge between us and replaced it with a fence whilst causing a lot of damage to our garden:mad:. And because we rent it didn't matter as they had spoken to our landlord.
Second, went to draw money to go to dentist on Thursday to find we were over our overdraft limit and the credit card was at its max so had to go to dentist and owe them the money - need to pay next week:o.
Third, neighbours at the back are currently hacking down the hedge between us and them and will be putting up a fence.
At the moment feeling very insecure and unable to say or do anything as we rent so we need to move on.
Firstly, we need to quickly clear our debt and then save enough money to buy a small property where I will feel safe as this is very important to me.
We have a total of £30713.78:eek: worth of debt - dated 22 Aug 2014 which is when I last totalled up. I will do a new budget and a new balance on our debt later today. This has been built up over 30 years where by our overspending as be dealt with by getting new loans and CC but the end as come as we no longer have any chance of moving the debt around so we have to pay it off.
I have already joined grocery challenge to try to control my food spending and have started to cook from scratch instead of living on takeaways and eating out.
Need to go and sort my budgets out and will be later to update.
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.3K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.9K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards