Huge Overspend

Debtslayer

Feral_Moon wrote: »

I've just requested a return authorisation for over £200 worth of goods I've bought from Amazon this month, none of which have even been taken out of the packaging yet. This will be refunded to my credit card so that will reduce the amount owing on next month's statement.

:j:T:T well done. Fantastic start :T

Debtslayer

lewishardwick wrote: »

Dog - Get rid of.
Camper Van - Get rid of.
Booze - Get rid of.
Home - Downsize... Get rid of.

People have given you good advice and the return is seemingly "I can't get rid of XYZ"

If I was a creditor of yours and I see this, I'd be calling in your debt at the earliest opportunity!

How is this post even remotely helpful? People come on here for advice and help and you have provided neither.
OP has taken advice on board and made good progress today. Hope they now don't feel discouraged by your post. Everyone has things in their life that are important to them and on this case it's their dog, who they clearly love so would not be an option to get rid of as you put it!

Feral_Moon

Debtslayer wrote: »

How is this post even remotely helpful? People come on here for advice and help and you have provided neither.
OP has taken advice on board and made good progress today. Hope they now don't feel discouraged by your post. Everyone has things in their life that are important to them and on this case it's their dog, who they clearly love so would not be an option to get rid of as you put it!

Don't worry, I'm not taking any notice of his "advice"

Mrs_Soup

As someone else suggested if you like spending time pottering about on the internet, instead of shopping, sign up for a few survey sites. Several of them pay in vouchers eg for Amazon so you could earn a little and then limit yourself to whatever voucher amount you have for the frivolous spending.

kazwookie

Can you get a job, even if part time

Feral_Moon

Mrs_Soup wrote: »

As someone else suggested if you like spending time pottering about on the internet, instead of shopping, sign up for a few survey sites. Several of them pay in vouchers eg for Amazon so you could earn a little and then limit yourself to whatever voucher amount you have for the frivolous spending.

Thank you, I'll certainly look into it. Sounds just up my street :cool:

Feral_Moon

kazwookie wrote: »

Can you get a job, even if part time

Highly unlikely, unless it was completely flexible and mostly home based

quintwins

Feral_Moon wrote: »

Highly unlikely, unless it was completely flexible and mostly home based

Just make sure this won't effect your benefits, it's great if you end up better off but that isn't always the case.

Feral_Moon

quintwins wrote: »

Just make sure this won't effect your benefits, it's great if you end up better off but that isn't always the case.

That's a very good point. I have no idea what the rules are, although I think it would be highly unlikely to find work which would accommodate my needs

spiritless

We used to owe a lot of money. Nearly 100k at its most, which at that time was double our joint annual income. I have significant life limiting illnesses but have continued to work 2 jobs in order to see us straight. 14 years after the debt started, we are finally on the home straight. By home straight I mean 50k owing, (20k to family) which is now less than half of our joint annual income.

In that time we've been where you are, desperate to hang on to what we have, kidding our selves that our outgoings were essential. My shopping habits hid deep depression which was totally catch 22- spending only made me sadder.

I got a full time job (despite being told that I shouldn't be working by my consultant) I got a second income by becoming self employed, working most evenings. My husband networked and got a better job. And then we realised we were in control again, just a bit but it felt good.

So we cut back. We really cut back. Window cleaner? Not now that £5 was better in my bank account. I walked everywhere, I bought supermarket value products. The cats got fed cheaper food. It all added up, bit by bit, month on month.

I know it's hard. I also know it's not really ever about things but more about self worth. You can't buy self worth off the internet.

Make sacrifices now and eventually it comes good.