Hello, a Little Embarrassed

Buttercup.x

Thank you. Will sit down and work out what we owe and to who before i make any rash choices.
Will be doing an SOA? (is that right?)when we have sorted it out

sportage1kia

Hi there
Like the other posts have stated phone any of the helplines given for good advice.I myself recommend National Debtline who are brill over the phone and will take you though your problems including how to do a budget sheet, and they will try and ease your mind,so stop worrying cause they loads of people in your position.
Regards

philnicandamy

Hiya buttercup & welcome to the forum...1st your NOT a faliure for whats happened, everyone here has been there in one way or another..if anything you deserve a pat on the back for taking the step in getting advice...I can understand what people say £8000 is a small ammount but it might as well be 8pence if you dont have the cash to pay...my debts totalled £11,000 .....little late reading this so i'll not repeat what good advice you've received so far.....pop up your SOA (statement of affairs...money in/money out) and one of the resisdent experts will cast an eye over things for you

if it makes things easier you can use this..

http://www.makesenseofcards.com/soacalc.html

once you've filled everything in it has an option to export to moneysavingexpert

HTH

Phil

shadowdragon

I cant really add anymore advice to this except to say your doing a wonderful job, I suffer from anxiety and agoraphobia and I didnt step off the doorstep for 9 months I know exactly how your hubby is feeling and you have my respect as I know how difficult it is, my partner has been a rock for me and done sooooo much.

Deffo speak to the debt charities, they may be able to negotiate with your creditors reduced payments as I agree Bc for 8k is a bit extream (i owed 40k!!!)

Chin up your doing a great job.

Sunk

wherediditallgo wrote: »

£8k of debt isn't a huge amount compared to some people, but it's huge if you haven't got the money to pay it off.

Totally agree....8,000 might as well be half a million if you have zilch.
And most importantly you are not a failure.

MollyBear

Can't really add any more lol, just wanted to say keep your chin up and keep posting, the people on here are fantastic!

cazjenki

Hiya welcome to the board, firstly get in touch with one of the debt charities asap and they will go through your options.
My BR experience ended yesterday and I am so glad I done it now. Before it started I was a complete wreck and didn't know where to turn because i to was unable to work. I had been trying for ages to try to sort out my debt which was £5000 and no amount of small offers of payment would help, the calls from my creditors where coming in 24/7 and I was beside myself. I hated having to make excuses to my kids why I was ignoring the phone. Anyway 6 months later i am starting a fresh and adament I won't ruin it again. I am much happier in myself and a better parent for it and I can live for today instead of worrying about the future.