Since my other half insisted we have a joint bank account where both of our salaries go in, I am struggling to pay back my overdraft that the bank wants back, as I no longer utilise my previously used own bank account.
And I am finding it increasing difficult to get any money out of the joint account without questions being asked about it.
OK - that might not seem like the big deal here, but whilst that is £2k I also have more outstanding debt that he does not know about, and if he knew, we would be completely finished, as I took out loans to try and help somebody, that he would most definitely, not agreed for this to happen.
Paying those loans over their terms, would cost near enough £10k, but if I can pay them off as soon as possible, I am looking at £4k (ish)
My credit score is completely shot, so I cant even take a short term low interest rate loan, where I can justify a couple of hundred quid a month as "pocket money" but at the moment to meet the needs of all payments I am having to find a way of getting together almost £500 a month, which I can't keep up with at this rate.
I also need to get these accounts closed so that they are no longer open on my credit file, to try and get this score better, but I need to find quick wins of how.
I gues sI am here to ask, if people have been able to get any quick wins, that might be able to help me out here.
The biggest problem here that urks me the most, is that I do have the money to be able to pay these debts off, but that is in a savings account - that again, I just cannot touch.
Yes, I could tell him that I need it - but I know him more than others, and with things that are going on in his life as well as mine - I just could not put this on him, he told me I wasn't to help this person in the first place, and he was right - because whilst they are better of for it, I no longer am not.