I have gone over my overdraft what should I do??

x_raphael_xx

Re mobile phones, 2 contracts one that is £30 pm and mine is 60pm. I use this phone for work so havent got much choice as I constantly have to speak to clients on the move

No tv l as were staying with family and our house is empty

Clothing I have stopped from today.. actually taking some stuff back that have labels :rolleyes: Good!

I know def have to cut back on food

Re petrol I am considering a gas conversion, I can try and cut back but it will still be pretty high as again I need the car for work. I have not included my pay yet as I have only just started and its commission only, although I will hopefully be earning between 4-6 k a month!!! BUT I do not want to rely on that as 1. I havent earnt anything yet and 2. I will not try and get out of debt that way

Car parking was an estimate, could def cut back but some parking will still be needed Good!

Its my b.day in 2 weeks and I have started a new rule, no presents at all, only for the children so that amount will be wiped off Good!

ha ha ha ha the price for haircuts is great!!!! Where else would you get a ladies wash, cut, highlights and finish, one gents cut and two childrens cuts ALL that for £15?? he he he my little sister is a hairedresser, I cant give her any less than that for four hair cuts I don't use hairdressors, I get a friend to do mine for free! Not been to one for years so don't know the 'going rate'

snif snif we normally spend about 200 a month on entertainment and to cut it back to just 20 a month? I dont even know what we could do for just £20... but i guess we could just walkDidn't realised that you'd already dropped this. What about family movie nights - Cheap vid rental & sweets? Walks in local parks? Family game nights?

we are sort of moving house... again a bit complicated, but we have the entire contents of our house in storage

this is really great doing this, just done the demotivator and my god!! we waste about 12k a year on starbucks newspapers and saying to people "dont worry we'll get this" when we know we cant afford it!!!!!!!!! Get a spending diary, or join us for Pap & moozies weekly challenge

Idiophreak

It sounds like the storage costs are related to the insurance claim? Will you be able to claim them back?

Is there any way you can get the company to pay for your mobile phone and/or petrol?

Aside from that, it seems this is a fairly busy time for you and hopefully things will get easier once you're back at home properly - perhaps you need to make raising a bit of cash (selling stuff, cashback etc) and getting your unsecured debt to 0% your priorities - then post another SOA on here as soon as you're back to "normal"...

Oh, and good luck!

getreal_3

We are in the pocess of claiming back storage, but again I dont want to rely on that.. The person I am working for will consider taking me on as an employee over the coming months and thus paying me a basic wage but to be honest prefer it the way it is as I have two children under the age of 3 and am trying o succeed in a very lucrative job so prefer the flexability I have at the mo.. just going to ring orange and see if they can give me a better contract and am going to ty and get the train where possible

I have sold on ebay for years, my prob being that I also enjoy buying so thats now banned and I have complied a list of things I can sell..

dishwasher-150
guess handbag- 100
brand new boxed 40inch plasma (i know what was i thinking)- 800
brand new boxed designer sofa bed- 200
my motorbike leathers- 150
designer jacket-50
all in seconds car boot sale - 150

that should help us a little,hmmm missing my newspaper :-((

getreal_3

I would just like to mention I am using a very dodgy keyboard.. so its not my spelling!!!

Idiophreak

getreal wrote: »

I would just like to mention I am using a very dodgy keyboard.. so its not my spelling!!!

I'd like to mention this too. I can't, but I'd like to