Please help dont know where to start???

need2bfreeofdebt

thank u southernscouser for ur comforting words.... it is very true i shud b proud of taking that first step.... just am so ashamed have got into this mess again after selling our house a year ago to pay off debts then... we must b stupid... problem is we both are really bad with money and dont ever budget which i feel we need to do.... value asda beans on toast here we come!

xxxxxxxxxxxxx goodnight to all u kind people who replied to my posts tonite, will b back 2mrw xxxxxxxxxxxxxxxxxxx

thanks for all ur help xxxxxxxxxx

simongregson

need2bfreeofdebt wrote: »

BANK ACCOUNT FEES WITH BARCLAYS AND SMILE = £25 P.M

xxxxxx any help greatly appreciated, am so ashamed of the mess we are in xxxxx

You could switch to a free account. Alternatively, did you know that some of your smilemore benefits cover both of you - for example the travel insurance will cover you and your partner if you travel together + kids? So in effect you are paying to duplicate some of the benefits.

ltm07

simongregson wrote: »

You could switch to a free account. Alternatively, did you know that some of your smilemore benefits cover both of you - for example the travel insurance will cover you and your partner if you travel together + kids? So in effect you are paying to duplicate some of the benefits.

simon's right,read the small print into your bank accounts & you should have some free insurance thrown in there. OH & i have an Ultimate Reward Account which includes Breakdown Cover,Mobile phone insurance,Travel Insurance,Travel Accident cover & Home Emergency Cover for £10 a month. We didn't read the small print properly & i went & paid £31.50 for Breakdown Cover & couldn't get a refund as i didn't cancel within 14 days.:mad:

cattie

Have you read the cutting tax board to see if you can get your council tax band re-assessed downwards? Worth a try, costs nothing if you send by email to voa & if you're lucky your monthly charge will be less & you could be due a bit of a rebate.

need2bfreeofdebt

Many Thanks Guys Re The Duplicate Account Fees, We Will Definatly Try And Sort That One Out... Only Problem Is We Just Need To Get Out Of Our Ovberdrafts At Present.. Its A Nitemare Xx

We Are In The Correct Council Tax Band Unfortunatly So Not Due Any Rebate.. Xxxx

Thanks For The Tips Everyone Xxx Feeling A Little Better, Just Still Feel Overwhelmed By It All Every Now And Then.. Probably My Anxiety Attacks Kicking In Again!!

Lots Of Thanks Sent 2 U All Xx

tealady

Whilst you are waiting to make an appointment with the CAb did out all your paperwork about your debts so you know which have the highest APRs and so need to be tackled 1st. Start a spending giary and write down EVERYTHING you spend. Check the Old Style boards for ways of cutting back, there is loads of great advice there. Main thing is you have done the worst part, ie faced the debt. There is a proverb (Chinese I think) which goes:- Trouble knocked at the door, fear called out "Who's there", courage opened the door and there was no one there. Debts a bit like that, its always better to face it (and I am speaking as someone who didnt face their debts for years, but am now thankfully debt free( except for the mortgage)

need2bfreeofdebt

Aw Thank U For The Proverb Tealady, It Really Means A Lot. Feeling More Positive Now.... We Can Beat The Debt, The Debt Wont Beat Us!! Xxxxxxxxx

Thanks For The Advice I Will Do That Xxx

CONGRATULATIONS ON BEING DEBT FREE... U R AN INSPIRATION TO PEOPLE LIKE ME... HOPING TO B THERE IN A FEW YEARS XXX