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  • sourcrates
    sourcrates Posts: 31,796 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Emmalene wrote: »
    I’m trying my best and family know about my wage drop it’s just difficult

    I’ve moved to my partners mums moved jobs taken a pay cut I hate everything about it

    I’m hoping to get another job just not sure yet


    I wish you luck with the job search, but failing that, you cannot rely on family handouts forever, especially to the tune of £500 a month, that is a lot of money.


    Debt solutions are there for a purpose, to be used by people that need them, instead of just wasting your family's money on your debts, you can sort out this mess in a single afternoon by either going into a debt management plan, or obtaining a debt relief order, or by agreeing different terms with your creditors.


    Borrowing money from any source to pay your debt shortfall is just not the right way to go about things, i know it can be difficult to see the wood from the trees, but until you have your "light-bulb" moment, i fear all this will fall on deaf ears.


    I wish you well with it all, and a merry Christmas to you.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • JCS1
    JCS1 Posts: 5,336 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Emmalene wrote: »
    Your heartless have some respect

    People are not being heartless or disrespectful. They are giving you good advice based on their own experiences.

    But until you have your light bulb moment, it is pointless as you will not accept the advice you are being given.

    And it's "You're" not "Your".
  • Oh shut up I’m trying my bloody best
  • JCS1
    JCS1 Posts: 5,336 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 23 December 2018 at 5:16PM
    Emmalene wrote: »
    Oh shut up I’m trying my bloody best

    People are trying to help you, and you are being abusive in return.

    If you were serious about sorting out your debts , you would get rid of the £100 a month mobile, and the £50 a month nails. That would be £1,800 a year to put to your debts.
  • Emmalene wrote: »
    Oh shut up I’m trying my bloody best

    OP - honest question. What were you hoping to achieve by starting this thread?
    Working towards:
    [STRIKE]*House Purchase (2015)[/STRIKE]
    [STRIKE] *Top-up pension (2016)[/STRIKE] [STRIKE] *Clear CC (2016) [/STRIKE]
    *Mortgage
    Overpayment (50% LTV by Jan 2020) *Clear student Loan(by Jan 2020)[STRIKE]*Save for a Car (2017)![/STRIKE]
    *Making the most of life!!!
  • Emmalene wrote: »
    Oh shut up I’m trying my bloody best

    OK. Received loud and clear.

    Plenty of others here who will appreciate our help :)

    :xmassign:
  • fatbelly
    fatbelly Posts: 23,124 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Thanks for your pm, emmalene.

    I will post here re your options but it's all a bit frantic at the moment.
  • Just pm me back
  • These are the only luxuries I have and I’m keeping them
  • sourcrates
    sourcrates Posts: 31,796 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    fatbelly wrote: »
    Thanks for your pm, emmalene.

    I will post here re your options but it's all a bit frantic at the moment.


    Agreed, lets just calm it all down a bit and think back to how long it took some of us to see the light, and its Christmas too........:grouphug:


    so be exceptionally nice to one another.......:kisses:
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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