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Emmalene

No that’s the luxuries

Grumpelstiltskin

OP You haven't had your lightbulb moment yet.

You have 2 choices.

Carry on as you are and sink further into debt or cut out EVERY luxury and live within your means and get out of debt.

fatbelly

Emmalene wrote: »

I’ve done the soa but it wouldn’t load

Please try again. We can't make constructive comment without the information from you.

You should be able to format for mse, then cut and paste the whole thing into a post on this thread. One of the mods will be along soon to merge the two threads and tidy things up.

Until then we're just whistling in the wind really and there seems to be a lot of people with time to do that today.

Edit: the soa calculator appears to be down!

Emmalene

I live within my means I never miss a payment don’t tell
Me what I can and can’t have you don’t know anything about my life how rude

C.M.

Your outgoings are more than your incomings. That is the dictionary definition of not living within your means.

If you live within your means you should be able to pay minimums on all bills, pay for food, travel and basic living expenses, save a little safety net and then have left over money at the end of each month tonpay additional on each debt.

You are either delusional, or you are trolling and this isn’t genuine.

Emmalene

This is genuine and yes my wages don’t help in used to 20,000 in my last job and now my job is 13,000 it’s a big drop !!

C.M.

But it is a drop you chose to take; and you have failed to adjust your outgoings to reflect it.

Really, you couldn’t afford to take a pay cut, and should have waited until you had cleared some debt before doing so. You didn’t, and now you need to stop the luxuries and start living within your current means - not the means you had before you changed jobs.

It really is that simple. But you have to admit it forst

Emmalene

As long as I pay my bills that’s all I’m bothered about and that’s what I’m doing !

buythedip

Then what’s the point of this thread?

C.M.

Pure paying your bills with credit though. That’s not the same as paying your bills.

If you want your debt to decrease then you must spend less. If you want to continue to spend what you are one debt will be going down as anothetnis increasing. It’s basic maths.

If you don’t want to reduce your debt then why have you posted this, not once but twice?