When things hit rock bottom the only answer is to fight the way back up...

Hiddenidenity

Rent arrears £3381.28.

Now I don't know if to add this to my total debt or keep it seperate and attack it separately.

[Deleted User]

I think, if you attack it seperately, you may not feel too overwhelmed by the total debt and you'll see this one going down slowly, which may make the light at the tunnel shine brighter.

Toni'sfriend

I know it's a lot but if you have an arrangement with them and the're happy with what you're paying would it not be better to concentrate on one thing at a time and get it out of the way. There doesn't seem to anything that's attracting interest. Maybe wait until after your appointment and see what the debt advisers suggest, They'll know the best way to tackle it.

Hiddenidenity

Good plan. For now I'll keep it separate. I know that's being dealt with in the background sort of as long as we pay the rent weekly. My rents actually gone down this year. Only by £2 but still better than up and it means I've been overpaying £2 a week to the agreement without doing anything

Maybe OH is feeling bad. He's already texts apologising for not being on board. He's going to try and already said the plans we had for dinner for his big birthday next week can change to just a dinner at home as usual and to cancel the hotel in June. Any birthday money he receives he will put in the pot to put towards the money his wage is down this week (usually around £20/25 for his birthday from his family)

Toni'sfriend

I am so glad. Maybe seeing it all written down has been a wake up call. If you can keep him on board and you face this together you will get there all the quicker. Do as he says and cancel the hotel and start planning a nice dinner.

Hiddenidenity

So now we look like this
Weekly

Outgoings

£112.50 Rent (£14.43 goes to arrears)

£45 Council tax (Absolute minimum to be paid to clear for 2018 bill being generated)

£50 Gas & Electric (Pay as you go, debt automatically taken from each top up at £17 a week from each meter)

£6 TV license

£20 Virgin/Mobiles (Can't wait to get rid of Virgin)

£15 Bus pass OH work travel

£6.25 School Dinners

Needed for bills £254.75.

Debt minimum payments.

Big fine (OH) £25
Small fine (me) £5
Friend £20

Total £50

Not urgent but needed

£10 Aunt
£10 Mum
£10 Step dad

Total £30

£334.75 needed before we even food shopping/school expenses/things that crop

Income

OH wage £285
Child benefit £48.10
Tax credits £109

Total £442.10.

£107.35 For food shop and OH. Doable? Let's hope so!

Things to catch up on to make above work.

TV license [STRIKE]£24[/STRIKE] £10
Mum £50
Council tax £64
[STRIKE]Small Fine £105[/STRIKE] £0 (£110 paid)

Debt 16/5/17

Council Tax [STRIKE]£2092.71[/STRIKE] £2086 (£6.71 paid )
Fine 1 £1250
Fine 2 [STRIKE]£200[/STRIKE] £90 (£110 paid)
Aunt £1000
Mum £340 + [STRIKE]£87[/STRIKE] £50 (£37 paid)
Step Dad £1000
Friend £1379

Total [STRIKE]£7348.71[/STRIKE] £7195 ( £153.71 paid )


Rent arrears £3381.28

Hiddenidenity

Toni'sfriend wrote: »

I am so glad. Maybe seeing it all written down has been a wake up call. If you can keep him on board and you face this together you will get there all the quicker. Do as he says and cancel the hotel and start planning a nice dinner.

Thank you. I feel so much better knowing he just listened. Makes a change :rotfl:

Will cancel hotel and will make sure I fit one if the nicer meals in on his birthday on the meal plan

Hiddenidenity

Sorry I won't keep posting the massive list. I'm trying to get organised in one post so I have everything together when it comes to making a payment/updating etc.

Its amazing how much more organised I feel just a week in to my diary. I've never checked the actual balances on anything and just guessed what I thought it would be/wouldn't be.

GeorgianaCavendish

Morning Hidden! I'm really glad your OH has seen the light, I think the shock of seeing the financial situation in black and white is a really big wake up call (it certainly was for me!)

It sounds like a sensible idea to cancel birthday plans for now, no reason why you can't do something to make up for this frugal birthday once all the debts have been paid off.

Good luck with the utility companies and the debt advisor appointment!

Toni'sfriend

Looking much better. Still a couple of things to catch up on. TV licence £10 and Council tax £64 (ignoring mum for the moment - these are more important) Are you going to contact gas and electricity?