Debt and Tears, Plz help!!!

Amberamber80

Hello everyone, I'm new here and have been slowly making my way around the site. I didn't know where to start so though it best to read a few posts first to get the general idea around here. So here goes! Please bear with me

SOA (monthly):

My Monthly wage :£1009.00
Partners: £1200.00

Debts:

Bank Loan: £224.00 (balance approx £6000)
Mint CC: £35.00 (bal-1542.00/Limit-1550) (0% till dec)
Barclay CC: £43.00 (bal-1990.00/Limit-2000) (24.9%)
Capital 1 CC: £12.00 (bal-227.98/limit-200) (24.9%)
Ulster Bank CC: £41.00 (bal-1394.00/limit-1350) (%??)
Halifax CC: £42.00 (bal-2093.00/limit-2100) (0% till dec)
Egg CC: £60.00 (bal-2921.38/limit-2950) (19.9%)
Next Directory: £30.00 (bal-330.92/limit-350) (no %)
Loan of B-In-Law: £1000.00 (needs paid asap

My o/draft:£50.00 - standing order (bal-750.00/limit-£750)
Partners o/draft: £50.00 -standing order (bal-550.00/limit-550)

Living Expenses:

Rent: £450.00 (incs. tax)
Food Shop: £240.00
BT: £14.00
Orange (2 mobiles): £80.00
Sky: £50.00 (includes internet) (bf won't get rid)
Setanta: £9.99 (bf won't get rid)
TV Licence: £11.00
Electric meter: £50.00
My commute (train & bus): £150.00
Cigarettes: £140.00 (partner)
Birthdays: £20-40
Hairdressers: Free - sister is hairdresser.
Takeaway: £20.00


I know I can make more saving here but I just can't seem to see through all the bills and minus figures. I have given up the cigarettes myself so saving us £120.00 and I have given up my morning latte and magazines saving about £40.00. As it is only my partner and I we are trying to work this out. We don't go out and so have allowed the Sky & Setanta as our entertainment!

We want to start tackling our debts. At the minute we are stuck in a vicious circle of minimum payments but are upping them. Just where to start! I have done the budget planner (helped me with this) and the Demotivator (helped me quit the cigs & lattes) and ran the Snowball app - this was great but so scary I didn't realise we had just under 18K debt :eek: Finding it hard to manage as I get paid monthly and partner weekly. Debt doesn't seem to be moving EVER!!!

I'm fed up! Can't sleep with worry, cry like at drop of a hat and want to be in control again. What happened to me?????

Amber

Triker

Amberamber80 wrote: »

Hello everyone, I'm new here and have been slowly making my way around the site. I didn't know where to start so though it best to read a few posts first to get the general idea around here. So here goes! Please bear with me

SOA (monthly):

My Monthly wage :£1009.00
Partners: £1200.00

Debts:

Bank Loan: £224.00 (balance approx £6000)
Mint CC: £35.00 (bal-1542.00/Limit-1550) (0% till dec)
Barclay CC: £43.00 (bal-1990.00/Limit-2000) (24.9%)
Capital 1 CC: £12.00 (bal-227.98/limit-200) (24.9%)
Ulster Bank CC: £41.00 (bal-1394.00/limit-1350) (%??)
Halifax CC: £42.00 (bal-2093.00/limit-2100) (0% till dec)
Egg CC: £60.00 (bal-2921.38/limit-2950) (19.9%)
Next Directory: £30.00 (bal-330.92/limit-350) (no %)
Loan of B-In-Law: £1000.00 (needs paid asap

My o/draft:£50.00 - standing order (bal-750.00/limit-£750)
Partners o/draft: £50.00 -standing order (bal-550.00/limit-550)

Living Expenses:

Rent: £450.00 (incs. tax)
Food Shop: £240.00
BT: £14.00
Orange (2 mobiles): £80.00
Sky: £50.00 (includes internet) (bf won't get rid)
Setanta: £9.99 (bf won't get rid)
TV Licence: £11.00
Electric meter: £50.00
My commute (train & bus): £150.00
Cigarettes: £140.00 (partner)
Birthdays: £20-40
Hairdressers: Free - sister is hairdresser.
Takeaway: £20.00


I know I can make more saving here but I just can't seem to see through all the bills and minus figures. I have given up the cigarettes myself so saving us £120.00 and I have given up my morning latte and magazines saving about £40.00. As it is only my partner and I we are trying to work this out. We don't go out and so have allowed the Sky & Setanta as our entertainment!

We want to start tackling our debts. At the minute we are stuck in a vicious circle of minimum payments but are upping them. Just where to start! I have done the budget planner (helped me with this) and the Demotivator (helped me quit the cigs & lattes) and ran the Snowball app - this was great but so scary I didn't realise we had just under 18K debt :eek: Finding it hard to manage as I get paid monthly and partner weekly. Debt doesn't seem to be moving EVER!!!

I'm fed up! Can't sleep with worry, cry like at drop of a hat and want to be in control again. What happened to me?????

Amber

Hiya, hun. Don't get upset your trying really hard, don't give.

Ok a bit of action, ebay? Amazon for selling things, do you have anything to sell at all.

I think one thing that stands out for me is that your boyfriend appears to have all his goodies, like sky and setanta and cigs but what about you?

I am honestly not judging, I really appreciate how difficult it is but its not on that its you giving up everything.

I'll have a think and see what I can think of to make savings.xxx

hypno06

you seem to have posted twice - I have replied on the other one!