Feel sick

happppydays

It happened again. How odd.

suki1964

It happens when you use apostrophes, its a site issue

So you have £800 a month for bill payments?

sourcrates

happppydays wrote: »

It happened again. How odd.

Its an ongoing problem mainly with apple devices, i believe.

jubilee14

Hi there just noted you havent said if child benefit is coming in that would ease things a bit. But agree with others, mortgage and child care is the big stinkers in your situation. Bit unfair to of DH to say your debt deal with it if the shared house and children costs are whats hindering you to get things under control. Particulary as the mortgage payments are so high v house value. Might not be what he wants to hear but am sure if you overpaid with inheritance on mortgage that would either reduce term or allow get a mortgage holiday for a bit some time between now and Jan 2019. Are you on a fixed term as if so the rate might go up and once on a DMP its hard to re-mortgage with anyone other than your own provider.

Good luck on the journey, keep at it as the debt size isnt really going to go away with out action when you have the house and kids commitments. I know Im there now too

patchwork_cat

I am a bit confused. You have said that your husband won't help out with the debt because you spend too much, what are you expected to pay for out of your wages? Has the debt been accrued through family living expenses? Do you have £800 to throw at your debt?

Fireflyaway

Are your kids at school yet? I found a part time job that worked round school hours. Obviously it didn't pay a massive amount but I had no childcare costs. Could that be an option? It doesn't have to be forever. Or do you have a spare room? An au pair? Sounds fancy but actually its very cheap, very flexible and they can help with cooking and cleaning too.
Re the debts, have you heard of dave ramsey? His snowball method might be a good option. Start with the smallest debt and knock it out quick then move to the next and repeat. Also paying with cash is helpful. You spend less and can't overspend if you Only have x amount on you.
For now take it step by step. Don't borrow any more and start getting the debt down but remember your situation will improve as the kids grown. My salary now I'm working full time again is more than what our total household income was back when our daughter was a baby and I'm no genius. It's tough having little ones but it gets easier.
I think you could halve your food bill too. Shop alone ( why do husbands think you really need 20 yoghurts just because they are on offer?!) , use cash, write a list and shop at cheap places. I lived in Iceland when our income was low. Frozen stuff at iceland, fruit and get from market.
Good luck.

Onebrokelady

I was the same as you when I realised that I was in debt and couldn't pay it,I felt sick and couldn't eat,it was an awful feeling made worse by not being able to tell anyone in my family about it,i came here and asked for advice and received loads of help,it's resulted in me entering into a DMP with Stepchange and I can honestly say it's the best thing I have ever done,I now have an emergency fund building up I'm saving for Xmas and birthdays and I use cash for everything,I have set myself a budget and I stick to it,I chopped up and threw away all my CCs and I will never use one again,my credit score will be trashed but I think that will be the best thing to happen to me,I know I can't be trusted with credit,from now on if I want something I will save for it
You need to really look at what you are spending and where,you could put the £45 holiday fund towards debt or an emergancy fund for example