Help

JCS1

sourcrates wrote: »

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:

But sadly the OP has posted again and is still being abusive to people who are trying to help her.

Emmalene

I’m only asking for advice and I’m talking it all on board I’ve written down all my expenses

And worked out m&s will be paid off in July 2019

Halifax loan paid off in feb 2020 if not sooner

Credit card paid off April 2019

And reduce overdraft by 100 if not more each month

JCS1

Emmalene wrote: »

Exactly stop being an arrangent !!!!!!!

Had enough, posts reported for being rude and abusive.

Emmalene

Your all being rude most people are being nice

JCS1

Emmalene wrote: »

Your all being rude most people are being nice

If you want help, then don't be rude to people who are trying to help you.

No one is saying you can't have a nice mobile phone or nails done, but at the moment you can't afford them. If you want help with debt, it's facing up to things and doing things that you may not want to do.

JCS1

Emmalene wrote: »

I’m only asking for advice and I’m talking it all on board I’ve written down all my expenses

And worked out m&s will be paid off in July 2019

Halifax loan paid off in feb 2020 if not sooner

Credit card paid off April 2019

And reduce overdraft by 100 if not more each month

Have you included the interest that is added each month? If not, that will extend the end date.

Emmalene

Yes I have

JCS1

M&S current balance £3,133-56, paying £335-54 per month would take 11 months to clear, so that would be (assuming December is still to be paid) October not July.

zippygeorgeandben

Emmalene wrote: »

I’ve changed jobs and don’t get what I got at my old job

I’m a TA in a school and the grade is lower than I’m used to

Could you look into training as a HLTA? That would increase your income, albeit slightly.

Emmalene

I can’t as it’s in a special needs school