Just when I thought I'd got it all sorted...this is unbelievable

Bumbelina

Thanks guys. Have spoken to Hubby now. I'm going to stop paying a nutritonist - a wild extravagance anyway, although I felt it was worth it - but now it simply can't be afforded. So that's £50 a month, which allows us to break even but not pay off any debts beyond the minimum payments. We're cutting back on the Christmas and birthday fund to give us another £50 a month, which we can put towards the debts, starting with the overdraft (although thanks to my mum and dad's generosity that has nearly been wiped out now anyway). Any extra money that comes in will go towards debts. There is sometimes extra money because my earnings are only an average, being self-employed, and when I worked out the budget I did it on the basis of my earnings being on the low side to give a safety margin. In reality, there will probably be more than that some months - at least until the reduced payment thing kicks in in January.

I feel a bit better about things today and am able to appreciate that although things are tough, we have a roof over our heads, happy children, enough food etc and are actually a long way from being destitute. More importantly, we have wonderful family and friends who are always there for us (and boy, have we leaned on them in the last few years!)

I am truly grateful for what I have, and especially now that I can include my health in that statement (fingers always crossed when I say that)

I got a nice surprise today - a customer has paid an invoice that I'd forgotten about, for £243.00. No idea how I missed that - I'm usually red hot when it comes to checking that my invoices have been paid. So that is a lovely bonus, proving that nice things can happen as well as awful ones.

I feel like I'm learning some cosmic lessons this week.

tattooed_lady

Oh I'm really pleased that you are more positive today.

My parents have always been there for us as well when we've been desperate.

Take care x

taplady

Glad to hear you're feeling a bit more positive today good luck !

Cerbera_2

Bumbelina wrote:

Banks are such f****** b******s.

Yes they certainly are!! :beer:

StevenP_2

Bumbelina wrote:

Thanks guys. Have spoken to Hubby now. I'm going to stop paying a nutritonist - a wild extravagance anyway, although I felt it was worth it - but now it simply can't be afforded. So that's £50 a month, which allows us to break even but not pay off any debts beyond the minimum payments. We're cutting back on the Christmas and birthday fund to give us another £50 a month, which we can put towards the debts, starting with the overdraft (although thanks to my mum and dad's generosity that has nearly been wiped out now anyway). Any extra money that comes in will go towards debts. There is sometimes extra money because my earnings are only an average, being self-employed, and when I worked out the budget I did it on the basis of my earnings being on the low side to give a safety margin. In reality, there will probably be more than that some months - at least until the reduced payment thing kicks in in January.

I feel a bit better about things today and am able to appreciate that although things are tough, we have a roof over our heads, happy children, enough food etc and are actually a long way from being destitute. More importantly, we have wonderful family and friends who are always there for us (and boy, have we leaned on them in the last few years!)

I am truly grateful for what I have, and especially now that I can include my health in that statement (fingers always crossed when I say that)

I got a nice surprise today - a customer has paid an invoice that I'd forgotten about, for £243.00. No idea how I missed that - I'm usually red hot when it comes to checking that my invoices have been paid. So that is a lovely bonus, proving that nice things can happen as well as awful ones.

I feel like I'm learning some cosmic lessons this week.

Sorry to be blunt

you seem to spend most of your time feeling sorry for yourself rather than getting on and dealing with your problems , if youve just been paying £50 a month for a nutritionist i dread to think what other `luxuries` youre happily paying for...


all the best though saying that


Steve

JAMIEDODGER

StevenP wrote:

Sorry to be blunt

you seem to spend most of your time feeling sorry for yourself rather than getting on and dealing with your problems , if youve just been paying £50 a month for a nutritionist i dread to think what other `luxuries` youre happily paying for...


all the best though saying that


Steve

steve, i think that OP is recovering from cancer, thats why the nutritionalist etc....

StevenP_2

JAMIEDODGER wrote:

steve, i think that OP is recovering from cancer, thats why the nutritionalist etc....

maybe

but seeing as OP said "I'm going to stop paying a nutritonist - a wild extravagance anyway"


Then how am i to know that ?

Also , my aunt and my mother in law both had cancer , both died , neither paid £50 a month for a `nutritionist`

Perhaps they should of then ?

Steve

JAMIEDODGER

OP stated about the cancer in a previous thread on this board. i wasnt getting at you, just pointing it out......and at that time OP also said she considered it important to her, only now saying it is an extravagance. no offence intended steve.

Reverend_Darkman

I went up to 18k in debt - mainly credit cards, but at the time I was contracting at £20 per hour on a 40 hour week, so I went to my accountants and said help, which they did, gave me a two year plan, I got 800 per month for myself and teh rest went towards the debt, NI/Tax/everything else to do with my life.

So for 2 years I lived on my 800 quid and forgot about everything else......

Just as the two years came to an end, my accountant passed away and the business was sold to another firm, on my first meeting with them they said I needed £13,500 for tax and wanted it then (I'm positive old accountant was just more clever than this one!)

I had no option but to sell my house, but by the time I sold it the interest from the IR had pushed it up to £18000 !!

4 years on and I now own a house which I rent out, have got my debts down to about 2k in total - I'm still working hard on them but it's not easy - just gotta stick to it, I'm hoping to sell my house next summer and clear absolutley everything and have some spare cash.

keep nibbling away, use the 0% transfer rates so your debts don't get any bigger (remember to cut the cards up when your done!)

Bumbelina

I may indeed be feeling sorry for myself, StevenP, but when I'm not writing posts on this board I am actually dealing with my problems by sending off for my credit files, looking into swapping expensive credit for cheaper credit, gathering information on how I can live more cheaply etc. etc.

I thought that this board was a place where I could 'sound off' safely in the presence of like-minded people about the problems associated with debt and trying to get out of it.

Everyone apart from you has been supportive (thank you Jamiedodger for standing my corner). I find it especially helpful when people tell me about relatives or friends who've died of cancer; a real boost to my morale. Of course I'm not saying that seeing a nutritionist could have saved them - merely that both the cancers I had are now known to be potentially diet-related and I think that most people faced with a life-threatening illness would do pretty much anything they could to try to save their own lives. I assume you are not in that position.

Thanks everyone else for your support