I'm completely overwhelmed, at loss.

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Calmfab
Calmfab Posts: 9 Forumite
in Debt-free wannabe
Please accept my apologies if I'm not posting in the right topic. I'm going to try to give you as much details as I can. I'm married, self-employed, my husband is employed. We bring £5.200 between the 2 of us. Our rent is £1800, we repay debts about £800 every month. We have huge outgoings. I'm working as much as I can in unsuitable job for me, my mental health is suffering but I have no choice. I don't know what else to do. I don't want to file for bankrupt as we have never defaulted a payment, just struggling to see the end.

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  • Mahsroh
    Mahsroh Posts: 769 Forumite
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    Welcome!

    First and foremost - complete an SOA and post in on here (link below). This will give everyone a better indication of your outgoings and the level of the debt. Then people will be better placed to offer advice and work out a way forward.

    http://www.stoozing.com/calculator/soa.php
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
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    Morning and welcome to the boards Calmfab,

    They're a friendly lot here and will offer some great advice.

    As Mahsroh said, please fill in a SOA by clicking on the link and format for MSE. This lovely lot will then offer a way to help you cut your outgoings.

    Good luck

    Pmo2
    x
  • Calmfab
    Calmfab Posts: 9 Forumite
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    Thank you :) I'm going to do that.
  • Mnd
    Mnd Posts: 1,699 Forumite
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    And don't panic! The people on here will give you great advice and support once you do your SOA
    No.79 save £12k in 2020. Total end May £11610
    Annual target £24000
  • Magnoliahaze
    Magnoliahaze Posts: 3 Newbie
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    I am in a very similar position. Just about to do a SOA and hoping the good people on here can bring some light at the end of what feels like a long dark tunnel. You are not alone. Breathe.......
  • clairebeth
    clairebeth Posts: 299 Forumite
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    Did you manage to do your SOA, Calmfab?
  • undlou
    undlou Posts: 48 Forumite
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    Hi Calmfab,

    Don't feel embarrassed or ashamed to show your SOA, no one is here to judge are give you a good telling off. We are all here for the same reason!

    All the best!
    My old materialistic lifestyle left me in debt worth £38,250.

    Current debt balance £35,966 16/07/2018
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