Hel!! My Debts Need advice

mrsspendalot

I would have accepted their offer too - £70 off is £70 towards another debt. Can you ring them back and accept the offer or is it too late now?

mumzyof2

i wrote a letter not posted it yet and also dont have the 170 to pay. my dd is nearly 2 yrs and she doesnt qualify for any free places (my son does tho) and she only goes as i have no family so that day is when i have my day as no one looks after her

mumzyof2

mrsspendalot wrote: »

Also, you are spending a lot of money on taxis to go to town everyday. Can you skip a few days going to town? This would save loads too.

I stopped the taxis 9days ago. I stay in now :@)

Keeping_Motivated

If you do not have the £170 then there is no point asking them for a final figure?
You need to be asking what they will accept monthly.

Also as you are both on job seekers it may fingers crossed be that your income could go up and if it does you are not vastly in debt and could have this sorted out with very careful planning.
I have a similar debt which is easily manageable for me but I still want to pay it off and I need the motivation to kepp a budget and stick to it so I can throw any spare at my debt and get it cleared once and for all.

Good luck with yours.

mrsspendalot

Don't take this the wrong way, but I have 3 kids and am a stay at home mum. Being a mum is really hard work and every mum needs a break now and again. My eldest 2 go to school, but my youngest is only 20mths. I would love a day off every week for 'me time' but I cannot afford it at the moment because I am in debt. £28 a week for your DD to go to nursery is a luxury you cannot really afford at the moment on your income. Is it not possible for your partner to look after her while you have some time just for you? If this is something you are not prepared to compromise on, then that is fine, but if this was me it would be the first thing that would have to go for the time being.

Keeping_Motivated

Is the nursery £28 for a full day once a week?

Scarlett.1974

£28 a week is a lot to pay for childcare that you don't actually need That's £120 a month you could be paying towards your debt. You could always start sending her again once things are getting better (and won't she qualify for a free place once she reaches a certain age?).

I noticed you said you spend £10 a day in town? Have you stopped this now then?

Your debt is not that bad, honestly. But you need to cut back on the unnecessary spending if you want to get it cleared off asap Big well done on cutting back on the cigarettes, I know how hard that is!

Keeping_Motivated

If its £28 per week and you could get your other half to look after your DD while you go out and have a break you could put the money to your debts and over the year that would be £1456.

Nearly half your debt!! Scary when its put like that isn't it...

On a positive note now you have a handle on your finances hopefully your debt will not go up.

mumzyof2

Hi i could stop her childcare but as my oh has no kids of his own..he struggles and we hardly ever have any time to our selfs. yes i do not go to town everyday and no longer spending 10pound. i have been thinking of stoppin her nursery or just taking her half a day. yes 28.00 is from 8am-530pm

mumzyof2

ok just spoke to oh and he said himself we really cant afford to take her and that she is not going to go again. he even said all she does is play like she does at home. so that 30pound im going to put towards bills/xmas