Hate myself for being so foolish

Squirrel29

Hi, I actually chopped the card up about a year ago, the only transactions in the last year have been the odd 79p as card was registered to Itunes. I have paid these off on time. I think the purchase interest rate is much higher though. So frustrating, they said try again in 12 weeks but I feel like telling them to shove it!:rotfl:

CharliesAngel

lmao I know what you mean about fresh air... it's at a premium sometimes.

Nice one on the pub spends! and glad your friends understand, I'm sure you'd be the same if they were in your situation. you're sounding positive today and that's fab!

I know what you mean with obsessed! every spare pound coin in the jam jar, every spare fiver off a bill here... lol

lol at chelsea flower show.. have you thought of entering?! Poppy (cat) enjoys digging the tulips out of the borders before she does her business so I gave up on that idea quite some time ago!!

Bring on a no spend weekend (ish)... if it wasn't for the hair cut and lamitate flooring i'm about to buy... lol

CA x

mountainofdebt

wouldn't get too upset about Barclaycard.....for some reason they are reducing the credit limits on both mine and hubby's cards on a periodic basis. They 'claim' they are ensuring that their lending is responsible - personally I think it's because we've never spent on the card but always done cheap rate life time balance transfers and thus not making them any money.

Squirrel29

Well, I went to see my dad and finally admitted that my loan is actually £5600 and not the £3500 I originally told him. I was crapping myself but despite frowning, he told me not to worry and to contact Cahoot for final settlement figure. He will pay it off and I will pay him back £100 per month. It has now brought down my Debt free date to 45 months! I intend to be debt free by 40 (3 yrs time), I will be earning extra this winter for teaching at weekends (£150 per month), if I throw that at the debts as extra I should achieve it. Feel much more positive today and no more thoughts of ending my life!

lunar

Hi

Ive just read through your diary, well done on talking to your dad i bet that cant have been easy. its really good news on reducing your debt free date. Im hoping to get rid of mine before im 30, just under 3 years away.

webitha

hi there and your soo lucky to have your dad

another thought why not tell your son to get a parttime job ie paper round to help him learn the value of money and that if he wants something he has to work for it that way you have another £20 to throw at your debts which dont sound much but it soon mounts up

also why not try what i do meal plan for the week i include my kids in this then go on tesco/asda website see how much the ingredients cost and then only take that money with you or buy on line to stop the impulse buys (for which i am so famous for :rolleyes:)

chevalier

Hi there
Ref pocket money. One thought would be to sit down with him and explain that from now on you are going to give him the child benefit each week. BUT that this means that apart from school uniform/activities/school books, he has to pay for the rest himself. I don't know if this will save you much money, but he will learn that once it is gone that's it. My mum did this for me and it was a great way of learning to manage my money from a young age (I was younger than your son when she did this).

Ref the pension. Personally I wouldn't drop this OR the union fees. The former because LA schemes tend to be pretty good, and the latter because if you really get up the creek they often have hardship funds or councilors that can help sort you out.

Have you got bank charges to claim back at all? Whilst there is a hiatus at present on them being processed, it might be worth getting ready to claim, ie applying for bank statements and working out what they owe you.

Not sure if anyone has mentioned this but you can get your council tax paid over 12 months not 10 which would help the monthly spend a bit.

Does you son take pack ups to school? If not then this may save money on dinner money. Same for you as well.

Best of luck with fighting this. YOU CAN DO IT. We will be here to support you through it.
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