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Planning for debt
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Ok--thanks to coming here i have made a small start..went to tesco and got a chamois instead of window cleaner and stocked up on freezable sell by date reduced stuff.
Also looked out loads of stuff to car boot in 3 weeks time.
As for toilet roll--well Andrex worked out the best buy thanks to offers.0 -
Still trying.
Appealed hubs DLA and got a letter this morning awarding high rate mobility and low care for 3 yrs---Great news
Doing okay with the shopping--no huge cuts but just a bit more caution.
car boot next sun --so see how that goes.
Small steady steps--but feeling more optimistic about getting there.0 -
Great news about your hubbys DLA.Thats roughly an extra £60 pw & you would get some back money as well - so a good result for you.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 20 months left.0 -
Good news with hubby's DLA letter. That should help things a bit. Small steps are the way to go! And they all add up! Good luck!
Taka xxMortgage free as of 12/08/20!
MFiT-5 no 45You can't fly with one foot on the ground!0 -
Hi Calamity :hello:
Glad things are going better for you - one thing I wondered though, you mentioned union fees in your SoA - is this for you or your OH? If it's for you then check to see if you're entitled to anything going on long-term sick leave (even if it's just a reduction in the monthly subs it will help!)
Oh, and if your OH is getting approved for DLA then check to see if you can get Carer's allowance for him too - with the mobility at high rate then I would have thought you should.Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
Total Debt 30th April 2008: £0 100% paid off!
PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT
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Union fees are OH's--prison service and also fund the widowers payments --so not really negotiable
Mine are peanuts in comparison and are pro-rata at source so as my wages drop so will they.
Still thinking about asking for a 3 mth mortgage payment holiday to mop up all the other debts--not sure--any views welcome0 -
You would need to have an award for middle or high rate care to be able to claim Carers allowanceI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 20 months left.0 -
have you though about switching to virgin media insteasd of sky? you can get tv, broadband and phone for £30 per month: http://allyours.virginmedia.com/websales/product.do?id=11039
you probably should talk to your mortgage people, see if it would cost you any more in the long run, what you'd be entitled to etc
Good luck with sorting it all out!0 -
Virgin does not cover our area unfortunately as it is cable and we have no cables in the road0
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Just a wee update to let you know that i am keeping the faith and hanging on in here.
I am now on half pay but thankfully due to OH getting his DLA and getting half pay topped up with incapacity benefit--which i did not know would happen--we are managing ok
Have knocked £400 off the debenhams credit card with DLA back money and did a car boot at the weekend and made £50 to cover the cost of my hotel for an overnight away on Saturday.
Still struggling to get the shopping bill down --but persevering.
Nothing major yet in terms of dealing with the debts but at least in the right mind set now and being more aware.0
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