No offence intended, but this reads very oddly to me. "His" account? Surely it's "your" combined household account? Or does this hint at him maybe being kept in the dark about the debt issues?. Anyway, as mentioned already, you probably really need to do a Money Makeover post and follow some of the suggestions already posted (especially about budgeting and tracking expenditure).My husband has a good job and pays mortgage ets from his account but what’s happening is because I am so broke, I'm dipping in to his account just for food etc and now both of us are completely struggling!!
The thread is sensitive and I understand why somebody won't supply all information for fear of recognition etc.Its not clear if you are in paid employment; if not, is that an option for you?
not sure I understand your concern here with my question on paid employment; I made no comment on bank accounts.thread is sensitive and I understand why somebody won't supply all information for fear of recognition
The steps required to deal with debt/finances are simple (but not necessarily easy) and well documented and don't need a guru to impart them.Hi, Check out a guy on YouTube called Dave Ramsey. He is a very good motivator (and entertaining) when it comes to debt reduction.
Doesn't matter by whom or how the message is delivered.don't need a guru to impart them.
I can speak from personal experience. This "guru" helped me. As said above, a varied communication style can be a good thing.The steps required to deal with debt/finances are simple (but not necessarily easy) and well documented and don't need a guru to impart them.
To add to others you will get through this.Hi all,
Please excuse the long post in advance.
I have found myself in a situation where I am struggling with debt repayment beyond belief.
My current position is we have a mortgage which is fully up to date and never missed a payment. With regards to me personally then, I have a loan with AIB that I must have for 10 years now. It was for 10k initially, and was working away at paying it and then started struggling so with 2 clicks of the mouse on the AIB app I could top up my loan and have money in my account within 5 mins. So all these years later and after multiple top ups just to make ends meet I now still owe 9k. My repayments are €245 per month, I have a credit cards which I owe 1k, a credit union loan of €900 and a store card of €300 so all in all I pay over €400 per month on loan repayments alone.
I used to be able to scrape by but since before Christmas I just cannot make ends meet. I have literally no money for food electricity etc for 2 weeks of every month. My husband has a good job and pays mortgage ets from his account but what’s happening is because I am so broke, I'm dipping in to his account just for food etc and now both of us are completely struggling!!
I just don’t know where to turn!! Would the bank consider maybe an interest only option for a couple of years and allow us use that money to get rid of my debt??
Thank you for your time!
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