suffer from depression and in debt

girl_in_need

dear all
please help , I'm in debt and I really want to get out of debt a.s.p
I'm £1,000 in debt , and is on a low income , I have bin think of consolidation
but I'm not sure weather or not it's a good idear. I also suffer from depression and with this debt is making it wost , please help

makeup

Hi Girl in Need

What kind of debt is it? (overdraft, loan, cc etc) Are you struggling to make the monthly repayments on it or are you just stressed because you have the debt?

Can you give a bit more info - preferably fill out a SOA so you can get clearer advice.

Personally I would investigate thoroughly any form of consolidation loan, you often end up paying more through interest and extend length of repayments.

I would have a think and see if you can make any extra money, for example a few evenings a week in a pub or waitressing? Or maybe selling unwanted stuff on ebay - there is also the online stuff like surveys and things - there is a board called 'up your income' which has tons of info on that.

I can appreciate that the debt is making you worried and your depression worse but if you are able to make a clear plan to clear the debt and can see it going down each month I think that would help you feel better and more in control.

There is a way out of this and you are in the right place.

Take care

spam.jam

hello
big !!!!!!{hugs}}}} to you
consolidation is not the answer from what i have read on this site, im no expert and someone a bit more experienced than me will be along soon to answer your thread. they will ask fo a statement of affairs, not being nosey just want to help you juggle your expenses/income better so you can start to get your debt paid off

you have come to the right place

spammer

Jacks_xxx

Hello my lovely, :wave:

What sort of debts have you got my lovely and at what interest rates?

If you can give us more details we will help all we can. (Most of us have been in the "feeling hopeless and depressed and don't know which way to turn" shoes at some point.)

Consolidation is not usually the best idea but there are lots of other options.

Tell us all about it hon, and we'll see what we can come up with.

Big hugs,

Love Jacks xxx

girl_in_need

makeup wrote: »

Hi Girl in Need

What kind of debt is it? (overdraft, loan, cc etc) Are you struggling to make the monthly repayments on it or are you just stressed because you have the debt?

Can you give a bit more info - preferably fill out a SOA so you can get clearer advice.

Personally I would investigate thoroughly any form of consolidation loan, you often end up paying more through interest and extend length of repayments.

I would have a think and see if you can make any extra money, for example a few evenings a week in a pub or waitressing? Or maybe selling unwanted stuff on ebay - there is also the online stuff like surveys and things - there is a board called 'up your income' which has tons of info on that.

I can appreciate that the debt is making you worried and your depression worse but if you are able to make a clear plan to clear the debt and can see it going down each month I think that would help you feel better and more in control.

There is a way out of this and you are in the right place.

Take care

hi makeup
thanks for your advice ,
this is the debts I have
catalogues
mobile phone , pay monthly
student credit cards .
everyday I worry about the letters the post man brings , and what phone call or answer phone messages I will get , I really want to get out of debt as soon as possible , if you can help , that would be gr8

Fire_Fox

Don't panic hun, just complete a full Statement of Affairs (link on one of the stickys at the top of the main DFW board page). We need to know your exact income, all your outgoing, the amounts and APR on your debts. It's a bit scary to do, but you should feel a bit more 'in control' once you have done it. Depression is very very common, lots of us (me included!) have suffered at one time or another. You are among friends here, it's a really supportive place.

:beer:

insider66

girl_in_need wrote: »

dear all
please help , I'm in debt and I really want to get out of debt a.s.p
I'm £1,000 in debt , and is on a low income , I have bin think of consolidation
but I'm not sure weather or not it's a good idear. I also suffer from depression and with this debt is making it wost , please help

i can help and would love to.

just one thing,

i cannot stand your text message speak.

girl_in_need

insider66 wrote: »

i can help and would love to.

just one thing,

i cannot stand your text message speak.

Dear insider
ok , so what you don't understand my text.
I come here for some help on debt.
and not to be insulted on how my text look, in fact it's people like you who don't help me at all. so next time , think twice be you reply to a post , and I'm not here to be insulted by you.

waterwatcher

girl in need, take no notie of the above. Most people on here are fantastic and will do their best to help you. I'm new myself so my knowledge is limited and more skilled people will be here sooner. There will be a way out, keep your chin up!!

Ames

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

That's the link to the SOA calculator, should help you get started!

girl_in_need

dear all .

please could help me as , I've just received another red letter from a catalogue comany.

I really need help as to how to get read of my debt (as soon as possible )

as I said I'm on a low income (£30 a month)

I really want to get out of debt , but I'm struggling to keep my bills pay , but on a low income is very hard .
the presser on debt is making my depression wost (I have now got manic depression).
please can you help or give me advice on how I get read of my debts a.s.p.