What a fudgewimple

Replying in line (hope this works lol)

Brookside88 wrote: »

Welcome! and happy shiny new diary.

Firstly - your dog is costing you more than your child by the look of it. Scrapping the dog walker and the cleaner will save you almost £400 straight off the bat. Scrap the lottery too, you're not going to win (sorry) and just a query about the pocket money. Only one child in the house of nursery age? Does he need pocket money?Our dogs are only a year old and would really struggle from 8am to 6pm without a wee. My OH is unable to go home to let them out as he works on a secure site site and its difficult to leave etc at lunch. I can't guarantee I would get home to let them out because sometimes I have to travel to London and lunch time seems to be when I end up on conference calls. We originally had planned for a dog walker three times a week but unfortunately its not worked out that way. I don't even have anyone who could let them out. But yes £325 on dog walking is annoying. I am scrapping the lottery and the cleaner (Already given notice) so that's £570 left to find. DS is school age, he gets £10 a month pocket money but it also pays for school trips. The other £50 is for my husband because he honestly turns into a beast if he doesn't have any money at all. And I don't blame him, I have spent several years spending 50k on credit cards

Other than that your expenses look pretty lean.

52k is a big number but chip away at it and you'll get there.

Good luck, I've subscribed

mitch2509 wrote: »

Hi

The main areas I can see are obviously your cleaner but also your pets £325 a month for dog walking is a lot could you not reduce this down some way,I honestly don't know how to, the dogs will 100% go for a widdle upstairs if they're left for 10 hours. argh! your pet insurance is also high (obviously I don't know how many dogs you have). two dogs but its also their healthcare plans which covers worming and fleaing, as well as 4 appointments per year and a discount when we eventually get round to spaying. I worked it out and it would cost me more to buy Bravecto etc than pay for the planCould maybe your and your OH take it in turns to pop home at lunch and let them out. we'd really really struggle to do this. OH can't and I'm often working through lunchYour gas and electric is quite high as presumably your out most of the day. this is high because I was extremely naughty and had the heating on all winter with the back door open. It will go down as I won't do this again. Have you tried to claim tax credits with your childcare being so high or is your LO old enough to get the free 30 hours.DS is 7 so we don't get anything. Our income is too high to be eligible for any tax credits. My income is hampered by my car lease so looks a lot lower than it is. Unfortunately can't get out of that shiny blue mistake until Feb 2020

Hope I'm not being blunt blunt is good!

Brookside88 wrote: »

oh and fudgewimple is the best word i've heard this week!

I'm also a fan of "ballywell" haha

mitch2509 wrote: »

Also I've just noticed your husband is in a DMP so I don't think your solely responsible for these debts.

3k of it is probably his. He's also partially responsible for the TV, takeaways the presents etc but not all the crud I bought. That's on me

Gladioli wrote: »

Have you considered contacting one of the free debt management companies such as step change, as you do not own a home is there any reason why you could not got through a formal remedy such as bankruptcy?

However the most important thing to address, is how you got to this place in the first instance? until you get to the bottom of that, you may not be able to get out of debt as old habits may creep in.

Bankruptcy would be an issue due to the fact that my area of work (ie finance and law) require no bankrutpcies. My tenancy agreement also states that we can't have a bankruptcy and my house is dirt cheap for my area, I'd be paying £800+ if I had to move.

I got into this mess because I've been depressed for the last 15 years, I didn't actually realise this. I'm a lot better since attending counselling, additionally I had a gastric sleeve in may (NHS) and my mood has improved dramatically over the last 6 weeks probably due to lack of sugar. I'm able to get out and do things so I'm not focused on what I don't have and what I need to be a better person. Getting a new "thing" gives me that temporary happiness that I have been lacking. It's all linked to insecurity, self -esteem etc etc. It's obviously not instantly fixed BUT I am feeling so much better already. I've had counselling since January, I go bi weekly and it's useful.

Grumpelstiltskin wrote: »

Can I ask why you bought the dogs knowing you couldn't look after them during the daytime?


I am sorry but I can't just understand why anyone would do this.

Sorry, that's an assumption that's just incorrect. At the time, we had waited two years to get dogs to ensure it was something we could definitely do etc.

My husband was working part time nights and had been for the last 5 years, there was no intention of changing. So we only needed a dog walker on a Monday, who took them out whilst husband was sleeping.

Then this year (so a year later) he decided he couldn't do it anymore. Whereas before he didn't want to change from what he was doing so as far as we were both concerned they fitted into our lifestyle. And they still do, we go for walks morning, night weekends we go exploring. It's just the current situation is awkward.