in a mess n dont know wot to do, this is killin me

RAS

Will edit above, thanks.

sofedup_2

mrsmcawber. we are in the UK we have all ready lived in germany n then got posted back to the uk. we are due to go to cyprus this summer but he is goin to get a postin to stay in uk as we are wiv a hospital ere. thank you


running man. sky and gym are both contracts so i cant cancel them just yet. ma gym is a rip off n wanna cancel it n e way n go some where cheaper so that will be up in april n sky is up next couple months to so we wont be renewing that. mobile phone is contract n thats just line rental again that contract is up in april n will switch to lower tarriff, he dont pay extra for calls or texts tho as he just uses all his free ones. been in overdarft for yrs n we just can get out of it coz we never av any spare money. thanks for your advice.

ras, we dont pay council tax as were army accom and the rent comes out before hubby gets his pay so thats deducted before our income so i dont need list that. shoppin i use to do every wk but i av just bin laid off from work a week ago n now wiv out my income we cant afford to live, we was only just gettin by wen i was workin n now am not were not gonna be able do n e shoppin end of month wen he gets paid n all bills av bin paid their will be nothin left unless i get lucky n get work soon, applied for so many jobs.

virgin is a bundle of £20 we actually switched from bt to these as we are saving about £50 but we still gotta pay them £20 pm for the contract thing which is up end of march.

two lots of insurance, two cars.
xmas hampers r a gud thing i get vouchers n get wot i pay for so we get a whole yr to save for xmas n not get in more debt wen xmas comes. car tax n m.o.t i dont work out those a month just wen they need doin then we try get the money to sort it. they both aint due till the summer.

not a clue wot the apr's are on my debts am afraid.

aa loan £4000 3.5 yrs left
natwest £22000 4 yrs left
car loan £9000 3.5 yrs left
choice £1100 5months
next cat £600 approx 10months pay off
ace cat £1000 approx 2yrs to pay off
overdraft £2000
royal bank of scotland card £2000 take about 3yrs pay off
mess dress, husband needs new uniform for work their allowed take it out in installments so first one is march n its for 8months.

isa, we desperatley need to save for fertility treatment after tryin for a baby for 5yrs n we need all extra money we can get to put in savings for this n we not even got that much saved were only got about £600 n we need thousands.

dont know wot were gonna do, wish it wud all go away am such a unhappy person at the moment n am only 25 i want it all to end

thanks for all you help x

Busterollie

Being a bit stupid here but what does SOA stand for? Is there a list on this site for abbreviations? Some of them I get but others I just guess and hope for the best!

RAS

Hi chuck

Thanks for that.

Please get hold of CCCS or CAb and talk to them. Will post the links in a minute.

in the mena-time - stop gettign anything more through the catalogues and stop using the CCs.

You do need to find out what the APrs are.

I understand your angst about fertility treatment, but you are only 25 at the mo and the stress of all this will not be helping. Better to get this sorted and then think about the IVF.

RAS

here is the link to the list of debt charities. Give them a call and they can help you.

Or do the debt remedy at CCCS on-line.

http://www.moneysavingexpert.com/loans/debt-help-plan#help

sofedup_2

busterollie, i not a clue wot it stands for, i was told to list it but was told wo to put in it so i know wot its for but just no wo it means, does that make sense.

sofedup_2

ras. thanks again. well the stress is not helpin but wen u av bin tryin for so many yrs n lost so many babies its hard to put off the ivf n hats why we wanna save money n hopefully get saved up for the treatment n handle our debts all at the same time.

i done the cccs thing it said we needed iva or dmp n its goin down that route which am not to sure about or if it will be best option for us. bin in touch wiv payplan too n their ringin back tomoz for a 45 min phone appointment, also spoke to another company who r sendin us a info pack out for DMP as they think we shud do that but they also want fees.

i dont know wot to do or wot will be best for us

thanks ras

briona

Busterollie wrote: »

Being a bit stupid here but what does SOA stand for? Is there a list on this site for abbreviations? Some of them I get but others I just guess and hope for the best!

Hi Buster

SOA stands for Statement of Affairs – basically a list of all your incomings and outgoings, debts and their APRs.

You're not the first person to ask about abbreviations – most of them seem to be on the list below.

http://forums.moneysavingexpert.com/showpost.html?p=397751&postcount=18

Briona

calleyw

Sorry if I asking an obvious question but the household income £1800 a month. Is that right it seems rather low if there are two adults in the household working and does that included any benefits. I assume you are both earning after tax £900 each.

Also even if you are in contract with sky/mobile phone just ring them up and tell them that you want to drop to the lowest tariff as you need to cut back.

I know you don't want to hear it but as you are only 25 years old I think you will have to put back IVF by a few years as you really can't afford it.

Also you need to look at extra ways to make money.

All the best.

Yours


Calley

floss2

I think Sofedup's income appears low because her husband is in the Armed Forces, so rent for their accomodation is taken out from his wage.

Also, only 1 income at the moment.