grrr...wanna start debt plan but can't

Xevius

Hi all, I had my lightbulb moment last month when I realised that I will have less coming in next month than going out when I go back to work following maternity leave. The childcare wipes out most of my wages and we will only be entitled to 'some' help from tax credits due to our income. After some scary sums and working out we will need to contact credtiors / formulate a debt reduction plan I tried to get a concrete fig for the tax credits we will get. This is the grrr bit....inland revenue won't except the income update until I actually go back next month. Was hoping to get it all sorted before I start missing payments..it's so frustrating!

Sorry for the moan! Also wanted to say hi :beer: to everyone as I'll probably be on here a lot over the next few years!

Katy83

Hi! I've just not long had my LBM too - welcome to the club! I'm sure lots of others will be around soon with some good advice. This place is amazing - can't believe how much good stuff there is here.:D