In the Lowest Hour

A question about : In the Lowest Hour

In the Lowest Hour..I wonder if I can get any lower.

Money ...

I'm so reliant
I'm so dependant
I'm such a fool

Sam Smith could have written that for me ..

Where do I start?? ..yes that's right by making a coffee ...and having a long hard look at everything ....

I know where I am but the denial and longing not to be in my current situation kicks in ...

Am I motivated ...not in the slightest ...

SOA going to make me feel sick ..pig sick ...

My mission is to log in everyday and get sorted ...anything has got to be better than this, I loathe myself and my situation that has got to change.

Best answers:

• I don't have much to give but I don't care for gold ( I do ;-) )
  What use is money when you just need to be held....
  SOA on its way ...
• You do it and it is done. Knowing what you are dealing with is a lot easier than not knowing.
  Everyone on this forum has sat where you have sat. It can be done and you will do it.
  XXXXX
• meanwhile Virtual hugs XXX
• My budget
  Number of adults in household........... 1
  Number of children in household......... 0
  Number of cars owned.................... 0
  Monthly Income Details
  Monthly income after tax................ 1700
  Partners monthly income after tax....... 0
  Benefits................................ 0
  Other income............................ 0
  Total monthly income.................... 1700
  Monthly Expense Details
  Mortgage................................ 0
  Secured/HP loan repayments.............. 0
  Rent.................................... 350
  Management charge (leasehold property).. 0
  Council tax............................. 65
  Electricity............................. 20
  Gas..................................... 15
  Oil..................................... 0
  Water rates............................. 0
  Telephone (land line)................... 0
  Mobile phone............................ 0
  TV Licence.............................. 0
  Satellite/Cable TV...................... 0
  Internet Services....................... 0
  Groceries etc. ......................... 120
  Clothing................................ 40
  Petrol/diesel........................... 0
  Road tax................................ 0
  Car Insurance........................... 0
  Car maintenance (including MOT)......... 0
  Car parking............................. 0
  Other travel............................ 60
  Childcare/nursery....................... 0
  Other child related expenses............ 0
  Medical (prescriptions, dentist etc).... 1
  Pet insurance/vet bills................. 0
  Buildings insurance..................... 0
  Contents insurance...................... 0
  Life assurance ......................... 0
  Other insurance......................... 0
  Presents (birthday, christmas etc)...... 10
  Haircuts................................ 10
  Entertainment........................... 0
  Holiday................................. 0
  Emergency fund.......................... 0
  Total monthly expenses.................. 691
  
  Assets
  Cash.................................... 0
  House value (Gross)..................... 0
  Shares and bonds........................ 0
  Car(s).................................. 0
  Other assets............................ 0
  Total Assets............................ 0
  
  No Secured nor Hire Purchase Debts
  Unsecured Debts
  Description....................Debt......Monthly.. .APR
  BC C1 .........................1000......22........0
  C1 C2..........................275.......6.........0
  Very...........................1500......55....... .0
  FRIEND ........................225.......200.......0
  SSL............................750.......390...... .0
  SL.............................500.......110...... .0
  AL.............................1000......60....... .0
  Total unsecured debts..........5250......868.......-
  
  Monthly Budget Summary
  Total monthly income.................... 1,700
  Expenses (including HP & secured debts). 691
  Available for debt repayments........... 1,009
  Monthly UNsecured debt repayments....... 868
  Amount left after debt repayments....... 141
  Personal Balance Sheet Summary
  Total assets (things you own)........... 0
  Total HP & Secured debt................. -0
  Total Unsecured debt.................... -5,225
  Net Assets.............................. -5,225
• I am rubbish at SOAs
  but I hope you feel better for getting it out there.
  perhaps sleep now? you know the worst and actually it doesn't look too bad.
  I recommend
  1. the oldstyle board - for food ideas
  2. thinking about anything you can sell (and I do mean anything)
  3. Any chance of promotion? or a second job? (that helped me loads)
  4. deep breaths. It is ok.
  XXX
• This doesn't look scarily bad, you will get there!
  Does the SOA seem accurate, do you have that much left at the end of a month?
  You can cut down on your grocery spend with good meal planning.
  When does the interest start on your debts?
  x
• The Good
  Someone I Love very much
  A lovely mum ...who deserves all the love I can give ..
  The Bad
  No Money
  The Ugly
  Debts ...
  its going to be a long time until I get paid again
  I am scrapping around my place for cash ...
  I now have a bag full of change
  To do ...
  List on ebay
  Get over stuff ...ist just stuff so needs to be sold...
  Make sure I have travel Money for work then Ј5 a day for next 7 days
  Make a list of food and toiletries and cleaning products ...
  Make one day each week a treat day ..maybe like a Charity shopping day for clothes?? or books or DVD or something that makes me happy .. or Јland day ....to stock up on householdy things ..
  I don't know ..? Maybe having that Saturday to shop will keep me on a level ...I am working 60 hrs a week 66 as they don't include lunch hours.. and am so tired yet I don't sleep for debts ...
  I don't have a car so cant car boot .. maybe I could box up a lot of stuff and put on Gumtree or ebay as a car boot lot?
  Yeah really looking forward to weirdo's coming to my home ...
  I am loathed to sell the washing machine at this stage..
• Thank you so much for being so lovely ..this is what I need to do ...just sick of feeling sick...its been a rough time for me.
  I'd like to get things paid off just had a pay rise and working to the max
  My biggest debt the Ј390 for the next two months has only two payments to make ... xxxx
• Work out money for the month - remaining 155 - sold some ebay stuff and think about 15 will go on postage
  My lists to make
  Whats in my Food cupboard 09/02
  What cleaning products do I have? 09/02
  What toiletries do I have? 09/02
• don't forget to pay ebay fees
• Try the snowball calculator here, this will give you a DFD.
  Try to pay the minimum on all debts plus throw any extra funds at one particular debt until it's cleared. With all your debts being at 0%, you could start with the lowest balance debt first. This in turn will give you motivation when it finishes.
  If you really have Ј141 left after everything then this will speed the process up for you along with the sales you make on the various selling sites. Although a SOA very often needs tweaking after the first time.
  Do you not have a mobile phone at all? Not even a PAYG.
  Is the amount of Ј1 accurate for medical/prescriptions?
  No TV licence?
  No contents insurance?
  No Christmas/birthday presents?
  Think about an EF, this will help you not to spend further on cards if you do have an emergency situation. It's surprising how often they crop up.
  It will be hard, it will be a long slog but keep posting here and read other diaries, this will give you motivation and show you some of the other large amounts of debt that have been tackled and beaten.
  Chin up, all the best
  DB
• Thanks Dobbi
  Do you not have a mobile phone at all? Not even a PAYG - Paid for by work
  Is the amount of Ј1 accurate for medical/prescriptions? Just get paracetamol or cough medicine or plaster from Ј1 shop lol
  No TV licence? No TV Don't watch Live TV at work or DVD or radio
  No contents insurance? I don't have anything of value worth insuring ( seriously )
  No Christmas/birthday presents? I put 10 in for this people will just have to understand
  Think about an EF - Very Good idea!!! thank you for highlighting - I supoose if the kettle blew up id be !!!!!!ed ...- Might use some of the 141 as EF ..agree need to tweek here and there so not so depressing
• phone up council tax to see what I owe
• Feeling pretty low although diary helping...Still not able to sleep ...
• One thought - feel free to ignore.
  All your ideas for treat days seem to involve shopping of sone sort. Which isn't necessarily that helpful when you're skint - I always end up spending more than planned.
  I'm not saying don't have treats, god knows we all need something to keep us going, but what else do you get enjoyment from? Just wondering if taking the treat focus away from shopping and on to something else might make you feel a bit better at times?
  Are you one for the great outdoors?
• Your SOA says you owe a friend 225 and you pay back 200 - does this mean the friend will be paid in just over a month?
  The extra 200 should help clear some of the other debts quicker
  Good luck
• Elsien ..I mean shopping for food and essential toiletries..and needed clothes ..but i get what you are saying and agree Thank you for input i do value that ..is good to have someone look in from the outside.
  Paying back friend as first priority so yes that is an extra 200 xx
• FRIEND ........................225.......200.......to be paid off 28th feb
  SSL............................750.......390...... to be paid off in 2 lots feb and march
  SL.............................500.......110..... to be paid off feb 110, march 310 and in april the remainder
  C1 C2..........................275.......6.........pa y off in full in april
  Where I would like to be in May
  BC C1 .........................1000......22........0 - May pay day
  Very...........................1500......55....... .0 - July
  AL.............................1000......60....... .0 - June
  is just about doable for August