if i make a start . then there has to be an end right ?!

mumof3.12kindebt

My credit rating is also quiet good ATM . and ive worked hard over the last 18 months to get it too that point
Dont really want to distroy it .
My catalogue is all 0% atm on bnpl
My credit card is 10% and I can't seem to qualify for any 0% transfer ones
My car is 12%
Ive tried switching to a lower Apr but again can't get approved.
Once I know where we stand with Income I can work from there regarding budgets and repayment .

mumof3.12kindebt

I won't qualify for a dro.
But have emailed a company about Iva's . to see if that's an option.
I just need a plan. Once I know where we stand income wise I can work from there.

mumof3.12kindebt

I have thought about selling my car and paying off the debt with the sale money. But I'm in negative finance so will still be left around 3k of the car finance to pay off. I'd also have to use some of the money to buy a cheap car to get to work.
I think I'm going to play it by ear till the end of the year and see how we do. And if we are still in a substantial amount of debt. Relook at our situation and see what's the best thing to do to help clear it.
I'd like to go on a short break away next year in the UK so I'm using this as my drive to paying off the debts.
The main ones at the moment are the credit card and catalogue. As I can afford the car repayments.and so far I havent missed one.
I'll be canceling my phone contract next month so that will save me some money.

ampersand

Welcome to mse, m3.12kd.

Your littlest babe, at 11 weeks, has first call on you right now.

May I ask you to just stop for a moment?
I DO know how impossible that must feel. All Mums do:-) Just do it anyway.

Rural location has pluses for you as a family, especially the children, minuses for transport, convenience.

You have some good actions planned. PAYG is fine. Making good memories with littlies will be a natural, even more so as you get on top of this debt mountain.

PLEASE DON'T DO THIS:# 'But have emailed a company about Iva's . to see if that's an option. '
Martin has always been fierce about how NOT to proceed:
http://www.moneysavingexpert.com/loans/debt-help-plan?_ga=2.5688947.1104731541.1497861913-1716972257.1497606212

I hope you've read this through thoroughly - and that your books are Library books-). Living rurally, as I do too, makes a town Library visit even better. Yours surely has storytimes etc. for small people, apart from help for you on work choices and possibilities.

#11 is a bit muddled.

Your spending levels and triggers seem casual, high, unnecessary, despite good intentons, some self-knowledge and ability to juggle. These are not 'blame' comments, but evidenced by your posts.

My siggie includes one of the debt charities Martin rates highly - and they are very much family-aware.

Is your current partner onside with being debt-free as a mutual happiness goal?
You clearly want to set good templates for your children.

i did a food shop at a!di earlier £97 it came too and i forgot a few things,
this needs to be looked at. i went with a list and a meal plan too !!
i need to look at my bills account and see if i can make changes or save money anywhere.

op - this won't do, will it?, nor will checking Bank at end of month. Do this daily! Getting on top of one thing at a time will help with the next.

Hope young one's operation went well.

I wish you well. Please contact CAP. I think you'll like them and I know they will help and like you. Every blessing. :-)

mumof3.12kindebt

its been just over a month since i posted debt amount so heres my update.
june
CAR £9288
CATALOGUE £1610
CREDIT CARD 4000
TOTAL £14898

july
car £9072
credit card £3500
catalogue £1300
total £13872
£1026 paid off.

its more than i thought but an extra payment from tax credits has helped.
i dont expect every month to be like this
as long as its going down then im heading in the right direction
still waiting to see how much tax credits we actually qualify for then i will do an income and outgoings post .

sorted my clothes today. 3 binbags gone .. and lots to sell. ive gone for minimalist with maximum use.

xx

mumof3.12kindebt

today consists of ebay listing / free to collector and filling charity bags .

my drawers look empty but hopefully now all my clothes ive kept will actually get worn !

mumof3.12kindebt

income £2438

outgoings inc car repayment £1433

left over £1005

£400 to credit card (clear credit card in 12 months)
£300 to catalog (clear catalog in 5 months)

£205 left for savings / surplus / spending money etc etc

mumof3.12kindebt

i have 42 months left on my car payments . once the credit card is paid off i plan to overpay on my car and try and pay it off in 36 months or less from now.

mumof3.12kindebt

tomorrow i am going to purchase a diary so i can make sure we stick to budget from now on.

the £200 spare is for things like clothes/ school unifrom. costs that aren't regular spends etc . for example this month i need to buy a cot for baby as she is out growing her moses basket.
i will be looking out for one second hand. but will be buying a mattress new

both me and my partner have pledged we want to be debt free. sooner rather than later and a year or so of frugal living to get it clear quicker is what we would prefer than 2 or 3 years of debt and spending more than we need to..

im going to a spa day for my birthday (its much needed) but ill be paying for it from doing some over time.

ive included 21 overtime shifts within my tax credit calculation, im hoping to get this overtime to cover my spa day and Christmas so its not coming out of our budget. fingers crossed we will see . if i dont do overtime i dont go to a spa day simple as that, and if i cant get overtime to cover christmas it will be a frugal Christmas .

mumof3.12kindebt

ive just paid off an extra £600 off the credit card