Help - we feel like we've done everything we can, and we're still piling on the debt!

RAS

Running_man wrote: »

Hi
£19.98 to store boxes of memories?Sorry you need to have a clear out.Otherwise you will always be paying this.Why not take the boxes look through them and only keep what you really want.Clear things out at home.

I would suggest that you can scan some stuff if you want to keep a record rather than treasure the item itself.

Otherwise, some of it may be suitable for e-bay, amazon or a car boot sale?

BlushingRose

Running_man wrote: »

Hi
£19.98 to store boxes of memories?Sorry you need to have a clear out.Otherwise you will always be paying this.Why not take the boxes look through them and only keep what you really want.Clear things out at home.Keep only what you can keep at home.
It will be hard to throw things away but you are creating new memories all the time.

You wouldn't believe how much stuff we threw out when I moved in. We've only been living together for a year and a 1/2 and had to combine two households. I got rid of SO much stuff, and some of the stuff I couldn;t get rid of is in that storage box. If we had room at home to store it, we would.
We actually went through it all last saturday (believe it or not) and sorted some stuff out, but still not enough to get rid of the box.

BlushingRose

PENNYWISE wrote: »

Hiyah,

Well done for posting & getting help with your debt, it's all a step in the right direction. I'm sure it all seems overwhelming at the moment but remember you're starting to take control of it now.

I'm a temp at the moment, I find registering with an agency in person seems to work better than online etc, also some of them are notoriously bad at getting in touch so be pro-active, keep contacting them to let them know you're free and ask what jobs available. Also, how about registering your cv on a website so that potential employers can contact u - amazing how many phone calls you can get!

good luck for your debt free journey & keep us updated

Yep, registered in person for both, and was actually at one of the agencies again on Friday doing some computer assessments.
I've emailed both agencies this morning and been told that they have nothing for me at the moment - it's so disheartening.
When I was temping before, I was earning £180 a week (approx) which came in very handy, as I'm sure you can imagine!

BlushingRose

I just want to thank everyone who is leaving helpful comments and tips.
I just feel so overwhelmed at the moment and am not sure where to start.
i suppose I'm looking for an answer that can bring money in *right now* or change something *today* and that's not going to happen, is it? :-(

southernscouser

BlushingRose wrote: »

You wouldn't believe how much stuff we threw out when I moved in. We've only been living together for a year and a 1/2 and had to combine two households. I got rid of SO much stuff, and some of the stuff I couldn;t get rid of is in that storage box. If we had room at home to store it, we would.
We actually went through it all last saturday (believe it or not) and sorted some stuff out, but still not enough to get rid of the box.

How big is the container you are renting? Is it full? Do you not have any loft space?

You currently pay out £240 a year for that which is more than you pay for car insurance! If you got rid of it, it would effectively be like saying you could get your insurance and MOT free each year!

This is how you make up the defecit by chopping away at everything.

RAS

have not read the whole thread, but have you picked up on surveys, pay per click and mystery shopping?

southernscouser

BlushingRose wrote: »

I just want to thank everyone who is leaving helpful comments and tips.
I just feel so overwhelmed at the moment and am not sure where to start.
i suppose I'm looking for an answer that can bring money in *right now* or change something *today* and that's not going to happen, is it? :-(

It's not going to happen unless you start to make it.

Have you checked about tax/child credits or whatever they are called? Thats the first thing to do as it may mean you are due some money!

RAS

BlushingRose wrote: »

We actually went through it all last saturday (believe it or not) and sorted some stuff out, but still not enough to get rid of the box.

How much could you get into the loft?

cupid_s

BlushingRose wrote: »

What we tried to do re: groceries, it estimate what we spend a month.
maybe what we can do this week is write everything down and see what we've bought in the week.
I don;t think £100 a week is too much for groceries when we've got a 16yo boy and a cat?

At the moment we have lodgers so there are 4 adults and a cat in our house (as well as three lizards, a tribe of locusts and a large colony of cockroaches that eat loads and loads of veg between them). The two men have large appetites and the other girl is a vegetarian so we end up buying expensive quorn products etc. We do all our shopping and cooking together and spend about £60 a week.

belfastgirl23

Hi Blushing rose

I think the biggest thing to realise is that every penny really really does count Yes the huge things like the school fees are big big chunks of income. But all of the little things really do add up. The storage box is only £20 a month but over a year that's £240. If you were to start eating on £200 a month that saves you nearly £2.5k over the year. I have to admit that this has been my stumbling block in the past, not realising that all those stray £10s really add up to something It is a complete refocus.

The other thing is that if you're not having much luck in getting a job then you should try to see MS as the equivalent. I know it's difficult because a lot of the info is in your OHs name. However I'd suggest when he's phoning people to check on stuff that he authorises you on his various accounts etc at the same time so that you can deal with things from now on. That way you will still be making a huge contribution. You are at the minute time rich and it's worth trying to use this to best advantage. BTW you should be able to get quotes on home insurance etc yourself, that is quite a bit at the minute, we pay £23 PM for buildings and contents for a 4 bed detatched house.

Finally do you have any friends with storage space if you can't fit your stuff into the loft? You might be surprised if you ask around.