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Need some serious help and advice.
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Mumof2under2
Posts: 6 Forumite
So I’m a mum of two and wanting to start saving for the future. I’d love to be able to buy a house one day with my partner but it seems impossible right now.
When I was younger I took out a lot of ‘catolog’ accoubts like very, studio aswell as things on finance from curry’sand dfs. This has made life and finances so difficult. I’m a very organised person and have lists and spreadsheets but it’s hard to keep to them.
I’m now behind on council tax as the amount has gone up and struggling to pay it. I have direct debits which try to come out on certain days which don’t as have no money in bank account so I get charges upon charges.
I own £500+ gas and electric and things are getting out of hand.
I’m just looking for advice how I combat all of this so the future starts looking brighter.
When I was younger I took out a lot of ‘catolog’ accoubts like very, studio aswell as things on finance from curry’sand dfs. This has made life and finances so difficult. I’m a very organised person and have lists and spreadsheets but it’s hard to keep to them.
I’m now behind on council tax as the amount has gone up and struggling to pay it. I have direct debits which try to come out on certain days which don’t as have no money in bank account so I get charges upon charges.
I own £500+ gas and electric and things are getting out of hand.
I’m just looking for advice how I combat all of this so the future starts looking brighter.
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Comments
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Hi, mum of 2 little ones too. Alao debt busting to buy a house. First of all you need to post a Statement of Affairs. It's really important that you're honest. Will try to post link below. If not then someone else will be along shortly to help.
http://www.stoozing.com/calculator/soa.phpThis is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Also remember that some debts are priority (council tax) and others (unsecured card debt) are not. Would you be ok with calling one of the free debt charities like Stepchange for advice?0
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Council tax & gas/electric are your priority.
One of the debt charitys can give you help & guidance
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.0
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