Falady's diary - getting back on the wagon

falady

Hi everyone,

Well, i haven't posted for a while, and i've fallen off the wagon, and now got into the s**t again. Aggrrrhhh! Why do i do it to myself?!

Current situation is:

Debts:
OH £100
Joint account £20
Overdraft £978.71
Barclaycard approx £400
Virgin card approx £3000
Joint loan with OH of £14000
Student loan approx £5700

I feel really guilty - mum and dad helped me out loads over xmas and paid off some of my debt, and I worked hard myself to reduce it, using my salary, back pay, reducing outgoings etc. Now i've !!!!!!ed it up again, through too much shopping for clothes.

I'd really appreciate some ideas and encouragement from you lovely people and hopefully i can get back on track and sort this mess out.

I'll post my SOA soon,

Ali xx

skintas_2

do you live at home, or have your own place

falady

hi skintas,

My fiancee and I have our own house which we bought 2 years ago.

SOA to follow shortly.....

gallygirl

Ok - wardrobe - NOW!!!!! What still has labels on them - take them back!!!!

And everything else ebay,,,,,,so, that's enough for tonight!

Don't despair, you've nipped it in the bud x

falady

Hi guys,

Well this is my current SOA....


Monthly Incomings:

My salary - approx £1500 (it has recently changed but will get payslip with exact amount next week)


Monthly Outgoings:

Contribution to joint account = £930
This covers all main bills, along with OH's contribution of £900
Mortgage/Rent - £840 (£134k borrowed, most of it at 4.79%, fixed rate to end at Jan 09)
Council Tax - £120
Gas - £47
Electric - £27 approx - will check
TV License - £12 - will check exact amount
BT - £15 approx
Food - £300 approx - far too much for 2 of us, not sure of exact spend but will check what its been over the last month
life and critical illness insurance - £50 - will check exact amount
pet insurance -£9 approx x 2 cats

Personal expenses

Car expenses - £50 per month (tax last year was £140, insurance was approx £460). Have NOT allowed for servicing
Petrol - approx £20 per month
mobile phone - £36 on a contract, can't leave till Nov
clothes - far too much - about £300 this month (unusual to spend this much). Jeez!
lunch at work - have stopped making my own so much - maybe £40 per month
pub - £10 per month (i often drive and just have squash etc)
meals out - average £30 per month
nights out - average £30 per month
puzzle books - £4.50 per month.

will add more / refine as i remember...

Debts...
Halifax overdraft £978 (limit £1000)
OH £100
Joint account £20
Virgin card £3000 approx at 1.9% till nov 08
Barclaycard approx £400 at 6.9% not sure how long for
Joint account is also overdrawn to about the limit ((£1400 ) each month.

Any advice would be much appreciated

Thanks,

Ali xx