consolidating silly debts

Gaz83

Joyceyjohnson wrote: »

clearly the people who have so far commented are so good with their money that they've never made bad decisions or been in need of a sounding board.

Or... they've made mistakes and can offer advice to someone making the same ones?

Joyceyjohnson

Apologies for previous rant. Just not sure the benefits of going on a forum and asking for advice on money where 50. Of the people offering that advice are saying 'be better with money'

Joyceyjohnson

Gaz83 wrote: »

Or... they've made mistakes and can offer advice to someone making the same ones?

I appreciate your advice but if you read previous comments I wouldn't call them especially constructive

somethingcorporate

you're being hyper-sensitive, all the above posts have been helpful and constructive.

Perhaps you should re-read them in the spirit they have been given rather than thinking you are being attacked (which you are not!).

SeduLOUs

somethingcorporate wrote: »

you're being hyper-sensitive, all the above posts have been helpful and constructive.

Perhaps you should re-read them in the spirit they have been given rather than thinking you are being attacked (which you are not!).

I agree with this.

You sound like your budget is mostly on track for everyday spending, but doesn't seem to be capable of allowing you to repay your debt or save at the moment. If you post an SOA people will be able to look at it neutrally and give advice on things that you may be able to save on that you hadn't realised.

If you don't want to share that information, that's fine too.

Many people in this forum have learned the hard way that a consolidation loan is not always the answer and often results in a worse situation instead of a better one. The level of debts you are talking about are not huge and can probably be shifted to lower rate cards but you still need to be able to eventually make a dent in them.

Without more information about the current interest rates you are paying or your current income and expenses, it is difficult for people to offer specific advice to your situation. If you don't want to share the latter, then the APRs at least would be a start to give an idea of what options might work better for you.

DCFC79

Joyceyjohnson wrote: »

Also can I has what and soa is? I am in debt because of previous silly spending and I already now have a clear budget for spending, spread sheets the lot, this is simply me trying to find a way to fix a mistake I can't un make

If you have a budget then stick to it and it will be paid off.

Joyceyjohnson wrote: »

Apologies for previous rant. Just not sure the benefits of going on a forum and asking for advice on money where 50. Of the people offering that advice are saying 'be better with money'

You were given advice/ help.

What were you looking for ?

andyfromotley

Hi Joyce,

i am really sorry that you feel that way. I can only speak for myself and say that my comments were meant to be helpful and friendly. If i haven't conveyed that then perhaps thats my fault.

We are almost all on here to get help and to share our experience with others. Most people on here are friendly and supportive, but yes we do have opinions on how people handle their money and how they plan to get out of debt, some (not me!!) have great experience in shifting huge debts and can be well worth listening to.

Please don't give up on the forum, if you can get past this, you will find a huge support system on here.

Andy.