newbie looking for any help and advice

toothfairybuttkicker

This is me pulling my hair out and asking for help.

so here goes had my light bulb moment on sunday when i finally lost the plot.
My OH has no idea about the stress thats involved in trying to sort our finances no matter how much i try. He has his head firmly covered in sand.

over the past 7 years we have had to extend our morgage to pay off the first round of debt and then it crept up again resulting in a 3000 overdraft and c/c totaling over 10,000 and loans totaling 25,000. this was totally unmanagable and we ended up taking a secure loan against our home for 37,000.

you think we'd learn but no. i didn't know it but he hadn't cancelled his c/c 's and was still using them. they have crept up again to about 7,500 ish. (OH says Emergencies) ( MY Left £$% its emergencies):mad:

The money on my C/C was for paying off the holiday he was treating me to for my up coming Bday. I had to bail him out coz he hadn't saved the money up "didn't have enough time" 15 months isn't enough time!!!:mad:


Anyway need to stop critisising and get constructive. Please help me, If only to save my sanity.

As a side note. i spend time listening to some of the women that i work with. None of them seem to have a good handle on money either. two have got CCJ's and are paying debt collectors. I was always brought up to believe these were bad things (swear words even) Dont really feel that i can talk about this sort of thing with them as i'm not in the same sort of position yet and trying to prevent myself gettin there. There usual advice is get rid of OH and you will be better off. (useless)

Numpty_Monkey

:hello: Hi tfbk

welcome to a great place, the help and advice you will get from here is brilliant

if you post an SOA up and let the clever ones have a look i'm sure we can help you have a read of the stickys at the top of the page
guide to newbies, dfw dictionary, and SOA calculator:A

we are a nice bunch here:beer:

toothfairybuttkicker

last months SOA

My Income: 1828.09 (good month)
OH Income: 1488.44
Total : 3316.53

Out goings

TV Licence : 11.75
Loan: 372.88
gas: 49.00
Sky: 55.00
OH C/C egg: 103.05 (he wont increase the payment to 125 ?) Min Payment
BT: 16.30 (pro rata)
Electric: 44.00
Mobi x2: 95.32 ( contracts up 12/08 and 05/09)
Council tax: 128.74
OH Car Loan: 65.63
Morgage: 621.08
OH MBNA c/c:75.17 (again wont increse payment) Min Payment
Water: 34.29
Secsavers: 25.00
Car insurance: 32.15
Natwest C/c: 75.00
bank charges: 10.00 (for using over draft other then that its free)
Internet: 14.99 ( OH will not give up his portable internet)
petrol: 300.00
Food: 250.00
OS : 165.00
Total out going: 2544.35

so where does the rest go i hear you ask. Good question I haven't got the foggiest. I think OH may know but he aint tellin!!!!!! he has this really annoying habit of takin £30.00 out of the bank when he only need £10.00.

I have tried to get him to do a spending diary but it didn't work. will keep tryin

Help me please