Netix only just caught up with this thread now, glad you got onto someone helpful, probably their collections dept- they always prefer a good payment plan to taking final action. But I'm more concerned about the ongoing issue of whether there is enough money for bills (since you referred to this in the other debt thread). Does The Man only hand over a certain amount of his pay for the household expenses and then spend the rest? If that's the case, you need to grab out all the bills for the past year, for everything - electricity, phones, gas, vehicle rego, credit cards, insurance, and add up what it costs (plus 10% for inflation), then divide it into weekly or fortnightly amounts. This is how much The Man needs to hand over for bills every single payday irrespective of whether there is a bill at that moment or not. You can then bank it/pay it against one of your payment plans, so you're not getting caught out when the big bills come in. Then on top of that - you need to do the same with all of the debt - add it all up, work out what time frame you are going to pay it off, then The Man needs to know he has to hand over this amount every single payday on top of the other money. Getting all the bills out and showing him in black and white added up on a piece of paper or two will help bring the message home. Also show him how much more it costs per month when you get behind (all those late fees and interest - it costs money to owe money, kwim) and maybe he will be more aware/motivated to stay in front.
Thanks, good ideas! I saw the financial counseller today actually, and she said to come back next week when I know exactly how much I'm getting from centrelink as well.
TBH, I think he would probably need to hand over ALL his pay to cover things, and then some. Its just so frustrating because he cares so little.
<sigh> sorry, not in the mood for talking money atm. But just to let you know that I am working on things.
Fully understand if you don't want to talk about it, I just felt a bit worried for you when I read the thread, is all. I hope the fin couns has got some good ideas to help take the stress off.
Yeah, I'm cool with things atm. Sometimes it just really gets to me and gets me down. As I wrote a few weeks ago too. I just keep pulling myself up again.
GRR! The Man jsut rang me to chase up the bank to see why our cards don;t work, even thought there is money in there now. Fantastic.
It's a difficult place to be in.
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