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  • FIRST POST
    • Calmfab
    • By Calmfab 12th Mar 18, 9:28 AM
    • 9Posts
    • 7Thanks
    Calmfab
    I'm completely overwhelmed, at loss.
    • #1
    • 12th Mar 18, 9:28 AM
    I'm completely overwhelmed, at loss. 12th Mar 18 at 9:28 AM
    Please accept my apologies if I'm not posting in the right topic. I'm going to try to give you as much details as I can. I'm married, self-employed, my husband is employed. We bring 5.200 between the 2 of us. Our rent is 1800, we repay debts about 800 every month. We have huge outgoings. I'm working as much as I can in unsuitable job for me, my mental health is suffering but I have no choice. I don't know what else to do. I don't want to file for bankrupt as we have never defaulted a payment, just struggling to see the end.
Page 1
    • Mahsroh
    • By Mahsroh 12th Mar 18, 9:38 AM
    • 339 Posts
    • 330 Thanks
    Mahsroh
    • #2
    • 12th Mar 18, 9:38 AM
    • #2
    • 12th Mar 18, 9:38 AM
    Welcome!

    First and foremost - complete an SOA and post in on here (link below). This will give everyone a better indication of your outgoings and the level of the debt. Then people will be better placed to offer advice and work out a way forward.

    http://www.stoozing.com/calculator/soa.php
    • Purplemumof2
    • By Purplemumof2 12th Mar 18, 9:51 AM
    • 6,071 Posts
    • 22,312 Thanks
    Purplemumof2
    • #3
    • 12th Mar 18, 9:51 AM
    • #3
    • 12th Mar 18, 9:51 AM
    Morning and welcome to the boards Calmfab,

    They're a friendly lot here and will offer some great advice.

    As Mahsroh said, please fill in a SOA by clicking on the link and format for MSE. This lovely lot will then offer a way to help you cut your outgoings.

    Good luck

    Pmo2
    x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Calmfab
    • By Calmfab 12th Mar 18, 10:14 AM
    • 9 Posts
    • 7 Thanks
    Calmfab
    • #4
    • 12th Mar 18, 10:14 AM
    • #4
    • 12th Mar 18, 10:14 AM
    Thank you I'm going to do that.
    • Mnd
    • By Mnd 12th Mar 18, 10:34 AM
    • 503 Posts
    • 609 Thanks
    Mnd
    • #5
    • 12th Mar 18, 10:34 AM
    • #5
    • 12th Mar 18, 10:34 AM
    And don't panic! The people on here will give you great advice and support once you do your SOA
    • Magnoliahaze
    • By Magnoliahaze 12th Mar 18, 10:40 AM
    • 2 Posts
    • 1 Thanks
    Magnoliahaze
    • #6
    • 12th Mar 18, 10:40 AM
    • #6
    • 12th Mar 18, 10:40 AM
    I am in a very similar position. Just about to do a SOA and hoping the good people on here can bring some light at the end of what feels like a long dark tunnel. You are not alone. Breathe.......
    • clairebeth
    • By clairebeth 21st Mar 18, 12:12 PM
    • 160 Posts
    • 69 Thanks
    clairebeth
    • #7
    • 21st Mar 18, 12:12 PM
    • #7
    • 21st Mar 18, 12:12 PM
    Did you manage to do your SOA, Calmfab?
    • undlou
    • By undlou 21st Mar 18, 12:27 PM
    • 43 Posts
    • 22 Thanks
    undlou
    • #8
    • 21st Mar 18, 12:27 PM
    • #8
    • 21st Mar 18, 12:27 PM
    Hi Calmfab,

    Don't feel embarrassed or ashamed to show your SOA, no one is here to judge are give you a good telling off. We are all here for the same reason!

    All the best!
    My old materialistic lifestyle left me in debt worth 38,250.

    Current debt balance 36,989.88 30/04/2018
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