MrsHarkets get out of debt diary

mrsmortenharket

Elantan, Morten says he knows you are stalking him & is getting an injunction against you :rotfl:

My money situation is dire.

I have been horrendous with money.

Depression & money do not go together at all.

I get some child benefit on Monday & get paid on the 18th.

Till then I will scrape by.

Will resume spending diry. See don't do it for one day, then it;s so easy to stop.

ALWAYS, CONSTANTLY update the spending diary. It is Very Important.

Lisa

mrsmortenharket

its a vicious circle really. Depressed so I spend. Look at finances & become more depressed.

Arrgghhh.

Stupidly bought dd a nintendo ds. I am hoping the shop may take it back. One of those stupid spur of the moment buys. My dh will go nuts as well, as he said she shouldn't have it...

Lisa

mrsmortenharket

I bought DS a spiderman dress up outfit today & a few transformers for his stocking.

I was pretty good, spesh as I had 4 hours to kill in town.

I am going to try & transfer next & cc to 0% card.

Lisa

twi1ight

Hi MrsH

Keep going with the diary. It's tough because it's Christmas and you need/want to buy presents but think how much more you'd be spending if you weren't keeping a diary and visiting this site.

And remember, you are a very lucky lady to have such a hunk for a husband

mrsmortenharket

I feel quite good right now. It might sound silly to others but there was Playmobil toy in TK Maxx that was 1/2 price. £45 instead of £90. Was going to go in & get it today but have realised that although the product is cheap it isn't really money saving as DS has loads of toys already for xmas & already as the playmobil hospital coming & other playmobil stuff from rellies.

I applied & was approved for the MINT card last night. So thats where my Next & my CC balance will go. I shall set up a standing order for at least £200PM to get that paid off before the 0% runs out.

Also I shall rip up the pin when it arrives & NOT activate the card.

I shall also close my other cc account down & shut the next account down.

I am tempted to keep the next account though for the sale as I always get in 1st but I 1st need to make sure I can pay the bill when it arrives...

Lisa

mrsmortenharket

MAybe peeps will think this is a cop out. But DH has loads of money. LOADS.

About 20 grand in the bank. And he earns loads PM. So I am going to ask him to clear my debts.

They were not built up on terrible things. Mainly on h=kids & house & my depression.

I am hoping he will. It always seems like me & him iyswim.

I buy Primark, he buys designer.

Its not like a marriage in a weird way cos there is this issue with the money. He has no issues, I am hard up.

I KNOW its my fault but by the same token my spending wasn't done maliciously. He enjoyed the fruits of my spending if that makes sense.

Because of my job I have just secured us a much cheaper mortgage (£100 PM less) with NO costs at all.

When we got married we both had NOTHING. I have helped him build up what we have.

I am expecting lots of harsh reples on here if anyone reads this!

Lisa

SarahNeedle1872

Hi Mrs H....... just read the diary so far, and have a quickie question..... are ur finances both run seperately? The reason I ask is that it makes no sense for ur H to have £20k sat in the bank whilst ur family have all these debts.... I don't think its too much to ask at all...... My OH is pants with money, but I transferred his 40% apr debt to my 0% card because it meant that as a family, we would save interest...... The least I would expect from ur hubby is to let u have the £100 pm u saved on the mortgage to put towards ur debts....

Good luck!

Sarah x

mrsmortenharket

They are run completly seperatly.

He is 'funny' with money.

I might be making him sound horrible, & I don;t mean to cos he's lovely. BUT he's a but like Mr Mean from the Mr Men books, I think he likes counting it. well looking at the balances. He always have at least £1000 left over from his salary every month.

Don't get me wrong, he's not a horrible man or anything.

I really really am trying so hard. xmas has been the killer. So I want a clean slate. I know its the cheats way out, I really do, but surely if we will be together for the next approx 40 odd years then this benefits us both?

Lisa

SarahNeedle1872

mrsmortenharket wrote: »

They are run completly seperatly.

He is 'funny' with money.

I might be making him sound horrible, & I don;t mean to cos he's lovely. BUT he's a but like Mr Mean from the Mr Men books, I think he likes counting it. well looking at the balances. He always have at least £1000 left over from his salary every month.

Don't get me wrong, he's not a horrible man or anything.

I really really am trying so hard. xmas has been the killer. So I want a clean slate. I know its the cheats way out, I really do, but surely if we will be together for the next approx 40 odd years then this benefits us both?

Lisa

Definately.... what is the point of u struggling and getting stressed out when he's sat on all that money....
I guess the way to sell it to him is to say 'yes I have done this, but look what I have done so far to try and fix it. It won't happen again, and the clean slate will enable me to save for things like Xmas/BDays etc....'

My OH earns approx £500pm more than me, but happily lets me take the bills money, plus rob any change out of his pockets (except 20p's, need them for snooker) and if I ask for money, he gives it to me, and vice versa.
Marriage should be a partnership in all aspects, money inc.

Sarah x

mrsmortenharket

thank you for your replies sarah. You have made me feel better.

Lisa x