I've taken the 1st step....

minimayhem_2

updating.........

jenevieve

:T Congratulations minimayhem for facing your debts head on. Stories like yours give the rest of us courage to deal with our own debts - whether they are bigger or smaller.
Getting help seems to be a key factor in reducing the stress that debt causes, as your story indicates.
Good luck with everything and keep posting! :T :T :beer:

minimayhem_2

One idea i am going to do that i've seen on here is a spending diary! brill idea!

southernscouser

MM,

Please don't take offense by this but you say if you need to you can cut down on things each month to free up some money for birtdays etc. Is there any reason you can't do it every month? Would be more money to throw at the debts!

If you list a state of affairs we might be able to see ways to help you.

Have a read of the below thread and post back here and we will see what we can do.

http://forums.moneysavingexpert.com/showthread.html?t=107280

southernscouser

Oh Ok I'll let you off!

Do list a SOA though. I'm sure someone will be able to help.

Good luck.