working our !!!!!!!! off for nothing :(

sugarpants_2

DH works 48 hour week and I am on contract of 8 hours per week ( I have 2 small children) but Im doing 20 hours on top of my contract hours at the moment to help pay the bills.

But, we just cant seem to see the bills going down. Even this month we havent paid our red electric bill or red BT bill.. Grr

Anyone else find this too?

Trying to pay our debts off and then start on saving for deposit on our first house (renting at moment). At this rate though its gonna take bloody years!!!!!:mad:

Off to work in a moment and working tommorrow too. Cant be arsed though drives me bonkers having to be nice to ppl (im sales assistant) when Im !!!!ed off with my finances :mad:

Verbatim

Sorry to hear things are getting you down. Have you got a plan? If you do a SOA the kind peeps here will have all kinds of suggestions for getting the bills under control. Sorry if you've already done one and I've missed it.

(Land_of)_Maz

Hey sugarpants.... sorry things are getting on top of you.

Call BT, they are generally pretty obliging re bumping payment for a month or so....

I've always worked full time and i know it sucks when no matter how much you do, it's never quite enough....

Do you get paid weekly or monthly? it can take a while for the rewards for working extra to filter thru to the paypacket but i'm sure they will soon.....

rubydoiwannabee

I couldn't agree more... i work 30 hours and my DH works 50+ with two children. Thanks to our debts we are still £350-400 a month short and living in the overdraft..... I can't stop crying today, because we have just had our tax crs stopped and owe them money because our earnings went up last year. My salary has changed due to hours change and I have budgeted for more than I will be getting by mistake.... so in one day I income has gone down by £85 a month.

We are trying really hard to manage and not go on a DMP but it is so difficult with such a difference between our income and outgoings. I have played around with the SOA so much this week I am dreaming about it....

We are even considering swapping our mortgage over to int only without any investment building up, just to help us in the short term. I am sooooo tired of it and cannot stop playing with flippin numbers and then crying. ARGHHHHHHHHHH

dottyanne

hi all - seems a lot of us are in this boat too - i anticipate our tc will go down to next to nothing and we will end up owing them once again.

Both work full time and never seem to get in front, really frustrating and demoralising. To be honest im holding off doing our annual review until the very last week coz i know i cant manage for the next 6 weeks with no money from tc

sugarpants_2

Thanks guys x

Ruby,I have a good cry most days too. Hugs hun. Isnt it a nightmare juggling debt, and being a working mum, and also try to keep your relationship with the other half going HARD? Drives me potty when ppl at work ask am I OK? I have to say yes, but feel like screaming NO and revealing all my debts and probs on them all.

My mum tells me she went through this etc and life gets better but she had her family in the 70's when there was no credit crunch and the houses were so cheap!

You are lucky to have a mortgage we cant even get on the ladder as prices are too high here. WE would both have to earn 60k EACH to get a decent 3 bed house. AGHHH!

Post back Ruby. Im here for support hunx

sugarpants_2

Glad to see other ppl working thier bollox off for nothing...well to keep you afloat. Mad arent we???

Keep it up and hope we all get pay rises

Oh we get bonus next month so that will help

Broken_hearted

Don't worry the tax man loves you

sugarpants_2

BH
Tax man can go jump:mad:

Numpty_Monkey

Just to cheer you up
Credit card had stopped intrest and lowered payment
They have reinstated the in the intrest and want the lower payment

payment £50
intrest charged at next statement £49.97

so pay £50 and my debt comes down 3p:rotfl:

sugarpants_2

numpty

LOL at 3p.

Just recieved my mastercard bill this morning and managed to get our balance down 50 quid after paying 100 quid off last month.

gonna take forever to pay those !!!!!!!s off at this rate..grr