Hello - I'm new!!!

clearmydebts

Hi,

Have been reading people's posts on the site for over a year but only registered today. I have had many lightbulb moments but chosen to ignore them until now. My debts are as a result of not living within my means for the last 5 years.

I have gone to some beautiful places (with money from credit cards) but now I want to enjoy travelling etc with my own money.

Myself and my OH had very good jobs but he went back to uni this year (for 2 years). It has been a positive experience for both of us as we realise that we were wasting so much money before this. So when he does work again we won't be as stupid as the last time.

In the meantime I have a part-time job (as well as my full-time job). I will be using the earnings from that to pay off my credit cards (my loan and mortgage will be paid from full-time earnings). My OH is also hoping to get a part-time job so this will also be flung at our debts.

The main reason I registered is because I want to chat with other people and also I want to see my signature decreasing. I am quite competitive (with myself) and if I have something like this it will help me to focus.

Sorry for rambling and thanks for listening. It's great to be here!

Bunnyinthelights

Welcome CMD!

Always nice to have new DFW's!

clearmydebts

Thanks Bunnyinthelights,

Everyone is so supportive here. It's great to have people to chat to!

Bunnyinthelights

Well, this lot have been my lifeline for over 2 years now.I'd be in the looney-bin otherwise...

clearmydebts

Good stuff! I must admit I do look at the MFW's forum and am green with envy. Would love to be in that position someday!

However, onwards and upwards and I need to focus on the task at hand. My first goal is to try and get rid of the CC's by Dec 2008. This would be a huge psychological boost. This does depend on OH getting some part-time work as well so I'm keeping my fingers crossed for that.

Bunnyinthelights

Go for it!
Pubs usually need people...

otb666

hello
im new as well although been lurking for a long time
im no good with tech stuff so i am hoping someone can jump my thread on a new forum as i cannot-sorry i did try
anyway
heres my soa-again couldnt do this right either but i would really appreciate comments
thank you

monies in
2432.56(my wage 707 hubbys 1559 wt credit 123.1 cb 41.70)


monies out
bills
water 45.29
poll 132.71
bank charges 7
sky 45
e.on 63
mort 1171
loan 129.89 finishes 12/10
cubs 12
tv 11.61
bt 85
computer subs 40.00

tescos food 400
fags 200
petrol 100

i pay insrances annually approx 280pa
bus passes 400 pa

birthdays 150pa
-kids birthdays 200pa
car +bike mot/tax 400pa
kids trips 280pa

my husband occassionally does overtime and gets a bonus-thing is i could work more as only part time this would give us xtra 200pm

i would really appreciate feedback 2 kids 2 adults in a 3 bed semi -we never have hols or go out owe 170k mort on 210k hse-currently??

clearmydebts

True! Will tell him that. Ah no to be fair he is looking and has applied for some jobs so just waiting to hear back. It would be a great help though, as we could really start making some serious dents into the debt.

Bunnyinthelights

OTB666
Why not start yor own thread hun and you will get lots of help.

clearmydebts

otb666 wrote: »

hello
im new as well although been lurking for a long time
im no good with tech stuff so i am hoping someone can jump my thread on a new forum as i cannot-sorry i did try
anyway
heres my soa-again couldnt do this right either but i would really appreciate comments
thank you

Hiya,

I'm new too. I'm sorry, I don't know how to put your post somewhere else but I'm sure someone else here will be able to. Just wanted to say Good Luck. It's good to finally have stuff down on paper. I feel way better already.

sparky0107

otb666 wrote: »

hello
im new as well although been lurking for a long time
im no good with tech stuff so i am hoping someone can jump my thread on a new forum as i cannot-sorry i did try
anyway
heres my soa-again couldnt do this right either but i would really appreciate comments
thank you

monies in
2432.56(my wage 707 hubbys 1559 wt credit 123.1 cb 41.70)


monies out
bills
water 45.29
poll 132.71
bank charges 7
sky 45
e.on 63
mort 1171
loan 129.89 finishes 12/10
cubs 12
tv 11.61
bt 85
computer subs 40.00

tescos food 400
fags 200
petrol 100

i pay insrances annually approx 280pa
bus passes 400 pa

birthdays 150pa
-kids birthdays 200pa
car +bike mot/tax 400pa
kids trips 280pa

my husband occassionally does overtime and gets a bonus-thing is i could work more as only part time this would give us xtra 200pm

i would really appreciate feedback 2 kids 2 adults in a 3 bed semi -we never have hols or go out owe 170k mort on 210k hse-currently??

Hiya and welcome,
You need to copy your post, go back into the main forum, scroll down the page & click on the new thread button & paste your post ont the new thread, give it a titla and off you go. Welcome by the way and good luck with your DFW