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Original poster

We are screwed finiacally.

299 replies

misdee · 18/04/2006 17:57

ok, i know i am spendaholic, and need to stop. i have over 8k of unsecured debt. most of that was from before Peter fell ill, some of it is due to spiraling costs with him being in hospital. All payments are being met, but now dd2 dla has stopped (we are going for reconsideration), tax credits will go down (not sure how much by) and i could well have screwed up massively. I can clear over 2-3k straight away if i sell my car and my collectin of bears. But Peter says not to, as we wont get their full worth. But i dont know what to do. I am pulling the belt in as much as possible (all i need to buy for the next week or so is veggies, milk and some bread ingrediants.) and will be ebaying anything that stays in one place too long. but I am so annoyed that i got too complacent again. Its so easy to bid on things without thinking and paypal it. i want to shut down my paypal account but i dont know if thats possible. DD2 could well be reinstated within 11weeks(!!!) but i know they could just refuse it totally.

I dont know if i want advice or just a rant.

OP posts:
Blu · 19/04/2006 16:51

Misdee -I see where Nutty is coming from, esp re the aggro she has had from others - but you quite simply have a different opinion re the house. And that's fine - you have resolved to sell your beloved bears, £200 won't make a heap of difference in the much longer term, and as you said, you are making adjustments, NOT totally brassic atm.

You are entitled to make a decision, whatever anyone else thinks, and everyone else is entitled to say how THEY would deal with it - but not get huffy if you don't agree 100%.

The house is on it's way, the kids are presumably looking forward to it. let is stay, and I hope it works out really well for you.

nutcracker · 19/04/2006 17:15

I don't think there was anything wrong with my tone actually and lets face it it wouldn't have mattered what my tone was, the point was my opinion was one Misdee didn't like.

Original poster
misdee · 19/04/2006 17:18

I was trying not to get huffy, but people were going on and on and on about the house and i admit, i snapped. and i shoulodnt have done.

To some people we are not screwed financially as we have enough to pay the bills and live on. But we are not getting out of debt. I have cleared one catalogue, but still have other bits on credit, plus that credit card and aloan (17months left). 6years ago, we were plunged into debt when i had dd1, and suffered PND and was unable to work my full hours. Altho eventually I returned to work, working less hours but including a sunday shift at double rate, the debts were spitalling. We had to sell the flat to clear 20k of debt, move into private rented accomadation and fight to get housed as the rent was way too high., and we still had some debts after that, 2years later Peter went bankrupt. Thats why i am so worried about the situation now. I dont want to be living in debt for the rest of my life. i want to be debt free. I know that whilst peter is in hospital i have extra costs, and these mount up daily. And 200 wont make a dent in my debt right now.

Bob is up for sale, the rest will be following later, i have noticed someone selling a collection for 4k, i will be lucky if i raise half that much. I need to get the rest of them out of the loft, and photograph them. If they reach 2k then that will get rid of the overdraft. Any extra i get will go towards clearing the credit card

OP posts:
desperateSCOUSEstrife · 19/04/2006 17:28

tbh misdee i think you owe nutty an apology for the swearing on this thread

nutty was only giving an opinion on what she thought you should do to not get deeper into debt

also if you dont like the advice dont post
that is not just directed at you
but we all have different views etc and should not be offended by them

LadySherlockofLGJ · 19/04/2006 17:29

She has started a seperate thread.

Original poster
misdee · 19/04/2006 17:29

i already have. there is another thread on it.

OP posts:
jmum6 · 19/04/2006 17:30

After reading all the post I can see where you're both coming from.
Agree with nutty, but also agree you should keep your promise to the lo's.

Is it possible to get a cheaper playhouse? Or perhaps you know someone who could make you one?

Hope things pick up for you soon.

desperateSCOUSEstrife · 19/04/2006 17:30

just seen it misdee
is right:)
that will teach me for being slowwwww typer

Original poster
misdee · 19/04/2006 17:34

my FIL made the kids one in his garden as it 'would be cheaper' it didnt work out cheaper. they have a mini log cabin with extras, i swear one day there will be a pool inside it!

OP posts:
jmum6 · 19/04/2006 17:36

Sounds lovely though!

Does he make them in adult sizes?!! He's make a fortune. Could keep dp in it. :o

Original poster
misdee · 19/04/2006 17:39

no, this is child sized. i can barely get in the door. it has its own garden, wishing well and fairies all about. the girls dont go over there to play anymore due to Peter being in hospital. they use it loads. its a proper little girls house.

OP posts:
zebrama · 19/04/2006 17:48

Am I wrong 2 remember that Nutty talked (not so long ago) about spending £100 for her kids birthdays ("I don't mind, their birthdays are only once a year" etc, and £100 for each child at Xmas as well (so all in December). Next week she'd be saying in another thread how skint she was, how could she get some income, next thread would be "What are some good garden toys I can buy?", Next thread would be one about debts and Nutty would be saying how behind they were in rent, next Nutty thread would be about something else to buy, and so on.

I haven't ever said anything on MN about this irrational pattern of threads... and tbh, misdee hasn't followed an entirely dissimilar pattern of spend/worry about money/spend/etc.... but for Nutty to come out & imply that misdee isn't being sensible about money, or misdee's money stress aren't that bad....
Some old proverb about pots,kettles, black, comes to mind.

Search the archives, tell me I'm wrong.
And that's without including all the suspicious anon. threads about money woes.

LadySherlockofLGJ · 19/04/2006 17:49

Nutty and Misdee have made up, can we just let this lie now please.

Original poster
misdee · 19/04/2006 17:49

noo dont go there. its all sorted.

OP posts:
desperateSCOUSEstrife · 19/04/2006 17:50

zebrama
you are out of order imo

maybe nutty doesnt want to see the same happen to misdee

zebrama · 19/04/2006 17:51

sorry, IF i posted out of order.
Shall I take it all back now? What am I to do?

jmum6 · 19/04/2006 17:52

Misdee it sounds lovely. No wonder you want one too.

desperateSCOUSEstrife · 19/04/2006 17:52

go and stand in a corner zebramaGrin

cod · 19/04/2006 17:52

way hay Zevra

nutcracker · 19/04/2006 17:53

If you had paid closer attention Zebrama you would have noticed that I often ask about toys but very rarely go and buy them, just like the garden toys you are on about. The only garden toy i purchased last year was a £10 slide.

Regarding the birthdays and xmas, I got a job to pay for my kids birthday and xmas presents last year and to clear my rent,, council tax and other arrears so what exactly is your problem ???

nutcracker · 19/04/2006 17:53

Suspicious money woe threads what the fuck are you on about ???

expatinscotland · 19/04/2006 17:54

they've apologised and moved on. we should, too.

FWIW when you're in debt - AND you want to get out - every pence counts. Every pence put towards it is one less you'll be paying in interest and one step closer to being free from it.

Hang in there. You're not alone.

spacecadet · 19/04/2006 17:55

enough is enough, nutcracker and misdee have made up.

nutcracker · 19/04/2006 17:55

No i want to know what the fuck he/she/it is on about ?

spacecadet · 19/04/2006 17:55

nutty just leave it.