Getting back on track very soon

busymummyof2

Thought it was time I started a diary, mainly to work out how to get through the next month before I can get back on track and start to reduce my debts again .

I currently have £12,000 on credit cards most of which was built up when I was with my ex, mainly doing the house up and living a life beyond our means.  When we split we split the debt.  I even paid some of his off with my cards to make it more equal, even though he earns well over double my income. 

I've spent the last year slowly paying off the cards.  Lockdown was great to start with, nothing to spend money on and no petrol used.  I managed to pay off my overdraft and make over payments to the most expensive card. Then I was made redundant in July and I worked out that i could afford to stay home with my two children until they went back in September but I'd have to get a job pretty quick.  Anyway that didn't happen and I've had to stretch my redundancy pay-out over two more months as I have just been offered a job which I hope will start after half term.

So today I've sat down and worked out what I need to cover all my bills in November and I should have enough coming in to cover them but may have to use my credit card for some food and petrol  
Anyway today will be a nsd and I'm off to see what I can list on eBay to make a bit extra (£50 last week which I would have liked to go to card but has gone in the food pot for now).

Sorry for the random waffle I need to get my head straight.

RelievedSheff

Good luck with making the books balance and good luck with your new job.

busymummyof2

Hi RelievedSheff thanks for dropping by, I cant wait to start working again its no fun being home all day with not much to do and of course the wage coming in at the end of the month is always very welcome.

I listed couple more things on ebay this afternoon and still more to sort from the cupboards.  Won't make much but every little helps.

My debts currently:
card 1 - £4710
card 2 - £4800
card 3 - £2050
card 4 - £755
next - £250

The cards are all 0% apart from £400 of card 1 but card 2s 0% ends in November and I have no new offers, so my priority is that one for now, though I'd like the next card paid off with it being the smallest balance and only a slightly lower interest rate.
 

busymummyof2

Still not got a confirmed start date, I'll email and chase today as closed next week for half term.

Looking at the figures for next month, it looks like I'm about £200 short.  Am not happy the credit card will have to be used again but we have to eat and bills have to be paid
£200 short if the tenants pay their rent, if not will be more like £800!!  They've been late paying every month for most of this year and said they would pay on the 18th.  The house belongs to me and my ex and should be on the market but they wouldn't allow any estate agents in.  They've been given notice and should be out next year.  Once its on the market my ex as agreed to pay the mortgage until its sold.  Hopefully it will sell quickly and although we haven't agreed the details yet I hope he'll accept the money left as his share and I'll keep the house I live in with my two kids.  I'll miss the extra income while its on the market but will be able to claim universal credit to top up my wage.