Added up our debts 20k

taxi73

See you are already getting ideas if you like dog walking then try that...the best thing to do is your SOA and when you/ve done that you can think about other things..yes tax and national insurance is very important.

taxi73

sorry posted at same time as you then

facingthefuture

got to get rid of all my rubbish

taxi73

Thanks for that you can do it too..we all can there is always an answer..there is so much info on this site it's amazing..Just going to try and sleep myself now ..hope you have a good sleep

System

Hi ftf, just wanna say hi and Im glad you found this forum, its absolutely terrific. Keep on posting and I am sure once you realise the options you have you will sleep better. Lenny

facingthefuture

Hi there, thanks again - you are so reassuring.
I got 2 and a half hours sleep before everybody was up again. Just been mystery shopping (every pound helps). Will tackle the SOA soon (after I file my reports for ms).

On another note, is it just me or does the pressure of being in debt cause food to pass through you quickly?I am 5 ft 10 and have lost 4lbs since Friday (am now 10stone).

monkey22_2

Hi facingthefuture,

Just wanted to send you a hug and tell you not to panic (easier said than done I know).
If you browse through this board you'll see you're not alone, there are loads of people in similar situations and there are loads of people who have come the other side of the tunnel.
Like you I don't own any property, I have unsecured debts of £27,000 and two small children.
My OH and I had our lightbulb moment 2 years ago when our debt was £34,000:eek: .
Two years on we have a debt management plan through Payplan, the debt is coming down slowly, we have enough money to live on (just) and most importantly NO STRESS.
You will get through this, promise.

belfastgirl23

Just a quick line to say lots of luck. I've read many many similar posts to yours and by the time the threads reach page 2 or page 3 they are already sounding more hopeful. I'm really impressed that you've come on already with a load of ideas and with the attitude that every pound helps - it takes some people ages to get to this (myself included!). The SOA really does make a big difference and there are people on here who can tell you if your house insurance is too high etc and that takes a lot of research time so it's incredibly useful. BTW you should add your SOA to your first post (use the edit button below the post to change it) and change your thread title to say SOA added so that people know to look back

The other thing I'd say though is not to put the pressure on yourself re getting a mortgage in six months time - this is very very ambitious. Yes it is good to shoot for the stars but could you see this as a best case scenario and perhaps have a worst case scenario in case this doesn't work out. Unless of course you have a particular reason for it having to be in six months time.

In terms of earning money there is an 'up your income' board on here as well...

Finally it will be really hard keeping this from your DH if it is consuming every moment of your thoughts (which I think it is ). Can you even say things are tight and you're trying to make the most of every penny so that at least at a general level he knows what's going on.

theunknownstuntman

Hi there FacingtheFuture,
Well done on the big scary lightbulb moment. You're in a place that wont judge you here, get that nasty scary Statement of Affairs up and the great and the good on here will help see where you can save some money and cutback.
I can only offer you all the support you need and hugs on demand!
Stay strong, you're not alone, we're with you.

southernscouser

I know you are worried about how your OH will react and understandably so, but this is a huge burden to take on your own!

If you go to him with a plan and you being really positive of how to get out of this mess then he is likely to find it less of a blow. Is paying off £20,000 in 6 months honeslty realistic? Thats £3,333 a month not including any interest so probably nearer £3,500 a month! :undecided