Debt free wanabee

salnew

Hi need to chat
I'm new to this a feeling sad today.:(
I've made the frist step to clearing my debts
I've joined this web site
I owe £20000. I've cut up my cards.
I've joined survey sites, yougov, valued opinions.etc.
I'm setting a weekly budget. Not sure How much? there is only 2 of us and no kids.
Anyone got any ideas of other ways I can clear this debt,
so I can be happy.:rotfl:

OliveOyl_2

Hi, welcome and if you want further budgetting advice, you've come to the right place.

First have a look at the "stickys" at the top of the DFW forum and write out your SOA as prescribed. Then lots of lovely people will pounce on it and show you ways to economise further.

Good luck

Lucy1982_2

Hello!

Welcome and well done on cutting up the cards. Have a read of MSE Andrea's thread which should tell you what we need to help you a bit more.

But you are in the right place and you'll be fine!

Kaz2904

hello and welcome.
You need to post an SOA listing all incomings, outgoings, debts and their APR's and we'll take a look for you.
It can be quite shocking when you first start but don't worry we're here to hold your hand all the way through.
Heck you might even have some fun on the boards!

OliveOyl_2

fun? I told my OH it was work, I hope he doesn't read this :rotfl: :rotfl: :rotfl:

trying-very-trying

Hi Salnew:hello:, and welcome to this wonderful board.

You've taken the first step today, and we all know that sad feeling that hits us when we realise the state of our finances. We've all been there, and I'm sure we all still have days like that.
You are with friends now, and like any true friend the guys and gals on this board will give you all the benefit of their knowledgeable experience.

First thing to do , to enable us to help you, is to pop up a state of affairs
http://forums.moneysavingexpert.com/showthread.html?t=107280 .

Then we can all have a right rake through (sorry, it's not just to be nosey), and suggest ways that you may be able to make cutbacks.

Lemon_Tree

hi well done for standing up and saying hi, things will get better. As people have said above post your SOA and better folk than me will be able to make comment and help you. When i had my lightbulb moment i nearly died wth shock but i've just now realised how much i've paid off it since that time.
Just take it one step at a time you will get there

pinkkat8910

hi salnew welcome to the boards!