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When you owe more than your annual net salary

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  • pidge04
    pidge04 Posts: 792 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Have been thinking about you- hope you are ok.
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hi Lexie,

    Hope that you are ok? It does good sometime to have a break and clear your thoughts xx
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    pidge04 wrote: »
    Have been thinking about you- hope you are ok.

    Thanks Pidge, how are you?
    £38,000 and change to £0
  • pidge04
    pidge04 Posts: 792 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Some days I feel like I am on top of this and there is an end ... other days not so hopeful. I am selling, selling, selling like mad! Everything I see at home, I wonder if I can flog it for a couple of quid! How are you?
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    Hey

    I'm back after my much needed absence

    DMP set up and due to start in a few months

    Life is good.. xx

    Night all

    LL xx
    £38,000 and change to £0
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    keep meaning to write in this daily.

    Instead of a pay rise I got the option to work from home two days a week. Might sound like my employer got the better option, but I commute for up to 4 hours a day and I also spend £25 a day commuting. So two days a week at home equals an extra £2,400 into my hand annually. Well into my savings account. But you all know what I mean

    Anyway, just into bed, wrecked.com

    Night all

    LL xxx
    £38,000 and change to £0
  • pidge04
    pidge04 Posts: 792 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    That is good news!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That is good news both financial & time wise.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    Hi Pidge and BeanieLou,

    Hope you are both well.

    Had a super stressful few hours, just realised my fuel amount for the month was wrong...hugely wrong...like £130 wrong. Want to cry

    Have gone back to SC to ask them to amend the budget. So cross with myself. No idea how I managed to give them that stupid figure. Wrote them a novel of an e-mail with my calculation sums etc in it as well. LOL

    I'm away to rock in a corner and recover

    Talk soon

    Lots of Love

    LL xx
    £38,000 and change to £0
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hopefully they will come back to you soon & put your mind at rest.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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