In an attempt to take my personal finances in hand I’ve actually been through and accounted for all expenses and incomings etc. After scaring myself half to death with some of the debt I appear to be in I’ve decided to tackle this head on rather than taking an ostrich in the sand approach and arranged for myself a consolidation loan over the next 5 years at a very low interest rate (thanks tesco clubcard!).
Then I’ve paid off and closed the three things that were owing at a higher interest rate and closed down those accounts. Success! Now I know what I have coming in and going out every month. Fortunately the first is bigger than the second which is always a good thing. And it’s good to have started to do something to better my financial situation. Of course my OH was pissed off that I had done something without asking him but it’s really not his choice as he was the one who put that all in my name so now I’ve sorted it to something I can cope with – and cope with alone if need be.
Christmas shopping is pretty much done as is my little boy’s birthday (he’s 3 next week!) so hopefully aside from food etc I am looking pretty on track financially to start 2017 in a much better place. Fingers crossed anyway. I’m never going to let myself get into that sort of mess again where I don’t know what is owing where in my name. Never again. I’ll only spend what I actually have not borrowed.