In a real mess :(

riquelme

bump, back to the top.
i can vouch for everyone on here, lovely helpful people.

i was in a similar situation a few weeks back and got some great help and support.

1st step post your SOA and wait for some advice

good luck

Buzzbox

Welcome to the board, you definately found the right place. This board has some sort of magic that lifts your spirits to help you tackle your problem!

doodledo_2

Hi and welcome to the forum you have definately come to the right place.

Don't be ashamed of your situation as we are all there with you, no judgements are made here.

Like the others have said the best place to start on here is getting your SOA posted up, the link is on one of the threads further up.

Once all the information is available you will be amazed what information comes your way. When I posted my SOA advice from people on here helped me shave almost £200 off my monthly outgoings.

Good luck.

RichOneday_2

I've got to disagree with this notion that no judgements are made round here.

There are a lot of people who display sheer irresponsibility, recklessness, lack of morality and complete hypocrisy.

And for some reason they all seem to work in the same industry!!

Horace

Hi and welcome

I don't think anyone has posted details on how you do your SOA. Use this nifty site https://www.makesenseofcards.com/soacalc.html - there is a button on there to formulate it to MSE (I am not sure but I think it posts it too).

If you post your SOA we can see your incomings and outgoings and suggest ways in saving money that could possibly be used towards your debts.