I'm very embarrassed that I've made things worse!

newleafer

Well the only place to start is here, I joined the board last year with all the right intentions, we remortgaged in feb as our fixed rate was coming to an end, we transerred alot of our debt on to a mortgaged linked loan, which was fantastic, we then planned for having a baby, which I am now 6weeks pregnant but we spent loads again and now we are stuck unable to get any more credit and one of our 0% cards about to jump to 29.9% and I'm going round in circles. I'm so angry that we had made the best out of our situation and now its just such a mess.

I know I need to post our expenditures but I really needed just to ask for help first, with an apology for not sticking to it before.
I think our total debt not including the mortgage is 68K.

*zippy*

Hi newleafer

Welcome back and congratulations on your pregnancy. You don't need to apologise hun, becoming debt free is a learning curve and many of us make mistakes along the way. Post your new SOA when you are ready and i'm sure everyone will happily help if they can.

zippy x

in_debt_again_but_dealing_with_it

Hi newleafer and welcome back - don't beat yourself up! I did much the same thing in the past - what is important is that you've recognised it and now plan to deal with - learn from the past but look to the future. Congratulation on the pregnancy!
IDA
x

hypno06

Hi there, we have all made mistakes, but just make sure this time you stick with the boards and stay focussed! Wagons are there to fall off, but they call past again for you to jump right back on!!

So, make a cup of coffee and get that revised SOA posted, and you will soon be fully ensconsed on your DFW journey again x

newleafer

Thanks for your replies everyone, I will post SOA in the next day or 2 when I've I got it all together. Thanks again. I have to stay on it this time as there is a baby on its way, no more full time work for me.

newleaf

:hello: again newleafer! Welcome back, and congratulations on your pregnancy. I look forward to reading your posts.

hooters

newleafer, don't worry - we have just had a baby girl - we are in a bad way financially, but we'll pass any tips onto you about "the adults have nothing but the baby is getting everything"

newleafer

:hello: to you again too newleaf!

Congratulations on your baby girl! Hooter any suggestions would be fantastic, this is a whole new world for me the baby thing, I thought I had read enough to understand until I got my pregnancy pack from the dr's, and then I reaslised I knew nothing!

SOA hopefully posted tomorrow!

newleafer

Ok so here it is, it may need tweaking but this is the basics of our SOA

House related:
Mortgage:1089 (fixed rate 6.3% with northern rock for 5yrs started april 2007)(this is split into £900 for mortgage and £189 for loan attached to mortgage)
C/Tax:126
House Insurance: 32
Tv Lic:12
Gas/Elec:60ish
BT:17
Water:32
Life assurance(for mortage):81
Personal L/Assurance:9
Food:175

Others:
Online Game Subs:8
Trade Union:22
Mobiles:60 (DH works away so we use the mobiles all the time, never the landline)
Broadband:23 (plusnet)
Sky:18 (only just started a year's contract and I am on my own 4/5days a week)
Professional Fees and Indemity Insurance:16

Car:
Petrol:300
C/Tax:30
C/maintence:37.50
C/Insurance:35
Rac:14
Car loan:50 (1000 Owing)

Debts:
Natwest loan: 396 (25K @ 6.9% over 84 payments, 34 payments made ends sept 11)
Egg Loan: 92 (3560 @ 6.73% over 48 payments, 5 payments made, ends march 11)
DH Egg C/C:38 Balance: 2400 roughly 17.9% limit 5500 (0% anniversary in sept)
B/Card:59 Balance 2400 24.9% Limit 2400
My Virgin CC:25 Balance 5954 0% just run out so payment about to go up Limit 6500
DH Virgin CC:0 Limit 1000 0% deal available

Total Out Goings 2853.50
My Salary:1152
DH Salary:1879
Total in:3031

Leaves: 177

Well thats as realistic as I can get it at the moment.
Any suggestions welcome

Emmzi

Have you had a look at entitledto.com to give you an idea of benefits post baby? we might be better working on your best estimate of post baby finances?

HairyHandofDartmoor

I would ditch sky asap if I were you, I know you are on your own but you can't afford it and freeview is pretty good (too late now if you've just signed up I guess). You spend a helluva lot on petrol, could this be reduced at all? Can the online game subs go? Can you cut the food bill down a bit, try the old style board for ideas. Congrats on the baby by the way.