Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • Jiggysaw
    • By Jiggysaw 17th May 17, 6:27 PM
    • 4Posts
    • 0Thanks
    Advice on best way to go
    • #1
    • 17th May 17, 6:27 PM
    Advice on best way to go 17th May 17 at 6:27 PM
    I have about 8000 of debt and it slowly goes up gradually. No job very little prospect of getting a proper one due to my town being in a state. Ive battled with this for years just getting by but its getting tougher and credit cards literally my only source of income when things get bad.

    Struggle to get by on dole money and in all honesty not much of a future to look forward to.

    I hear about these debt management things and bankruptcy but not sure if itd be worth going down any of these roads. If i cut off any means of getting cash (credit cards when desperate) its very very scary but obviously battling on like this is not ideal.

    Any genuine advice? Got no savings, no assets and just live minute to minute.
Page 1
    • nikongirl
    • By nikongirl 17th May 17, 7:17 PM
    • 151 Posts
    • 182 Thanks
    • #2
    • 17th May 17, 7:17 PM
    • #2
    • 17th May 17, 7:17 PM
    Sorry to hear you're having a hard time. I've been there, as have many people who frequent these forums.

    Can you post a SOA? This will help us see where your money is going and the more we know the more we can try to help.
    • sourcrates
    • By sourcrates 17th May 17, 8:53 PM
    • 12,174 Posts
    • 11,636 Thanks
    • #3
    • 17th May 17, 8:53 PM
    • #3
    • 17th May 17, 8:53 PM
    Perfect candidate for a debt relief order.

    Info here : WT.seg_1=dro&gclid=CMG9_v_Z99MCFeKV7QodcvMDhw

    These can be up and running within a week, sort your debts out once and for all.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there, and delete spam.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see :
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,196Posts Today

8,109Users online

Martin's Twitter
  • PS Today's poll is obviously inspired by the real question I was asked and tweeted about last night.

  • Not all firms have panels and HR teams. There are many very small businesses out there without such resources :)

  • Today's twitter poll: If someone has a job interview, but not received any salary info at all, whens the best time for them to ask about it?

  • Follow Martin