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Newbie

secretspender_2
Posts: 170 Forumite

I've been reading through a lot of the posts and there is loads of advice. It is comforting to know there are others in similar situations to myself.
I will get round to doing a SOA after I have sorted through all my debts, but I *think* it is around £7k. I work full time plus have a bar job. It is hard work but it is currently bringing me in an extra £300 per month (after tax).
My partner has just moved in with me to help with bills and rent and stuff so that has helped me a lot. financially and emotionally - sleepless night worrying, etc. He doesnt know how much debt I am in though..
Look forward to getting invovled and getting tips and advice off everyone.
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Comments
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:hello:
Welcome to MSE and Debt Free Wannabe!
As soon as you have posted your SOA you will get loads of advice/help from people on here, its great! And its a great relief off your mind to know that you are dealing with it all.
I find it helped me to write it all down.
Why dont you also try joining one of the challenges on here, like make £10 extra a day in May (you can choose how much you want to make, and its surprising how much you can! Ebay is my friend! :rotfl: )
Anyway, welcome and good luck.
xxxDebt: just my mortgage0 -
Welcome to the board SecretSpender. You'll get plenty of help and tips on saving money and paying less interest to the banks.
For the SOA, the calculator is pretty helpful.
http://www.makesenseofcards.com/soacalc.html
good luckAfter falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110 -
Hello and welcome :hello:
Putting your soa up is the best to do and all the lovely people on here will be able to help and advise you in where to cut back and save money.
Also, if you are ever feeling down just come on here and read the posts and write on here as it really does help.
Good luck with your debt free journey. :beer:LBM 14/12/06 £21,947.17 DEBT FREE 12/04/09
MFW - December 2010 £76,199 - 4th February 2021 £37,360.900 -
thanks guys. I am feeling so much more positive about things since I found this site!0
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secretspender wrote: »
Hello, I'm new here. I came upon the website after seeing Martin on GMTv. What a godsend he is.:money:
I've been reading through a lot of the posts and there is loads of advice. It is comforting to know there are others in similar situations to myself.
I will get round to doing a SOA after I have sorted through all my debts, but I *think* it is around £7k. I work full time plus have a bar job. It is hard work but it is currently bringing me in an extra £300 per month (after tax).
My partner has just moved in with me to help with bills and rent and stuff so that has helped me a lot. financially and emotionally - sleepless night worrying, etc. He doesnt know how much debt I am in though..
Look forward to getting invovled and getting tips and advice off everyone.
that's how I started.....he said something about getting off my backside and sorting it out..so I did....and there are some great folks on here who know so much...
well done for joining in!
take careFor what I've done...I start again...And whatever pain may come ...Today this ends... I'm forgiving what I've done -AF since June 20070
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