need help and advice

budget_2

am very new to this and have been wanting to be debt free but can't seem to get there, money really tight we had pancakes for tea last night as we had nothing else in the cupboard, managed to find something for OH for tonight when he comes homes, the rest of us will make do with what i can find needing some reasurence that this does end somehow,
I have alot of health problems wich means I am unable to work anymore and am getting really desperate am at the lowest of low at the moment as i can't concentrate on anything I used to be really good at this finance thing but have ended up on a long road back up.


Budget hopefully becoming :cheesy:
SOA

Bank Loan £17,877.86 :(OH CC £1600 Bank Loan £17,300 Providebt £1100.00
Scottish Power £110.00
catalogue £550.00 family £1500 Bank Overdraft £400.00

total debt £40,437.86 :(:( not good desperate

Tixy

Hi Budget

Pancakes are very tasty at least - but it awful not knowing whether you are going to have enough money to eat properly.

Not sure what sort of food you are buying but it might be worth looking on the oldstyle section of the board. They have loads of tips of getting the most from your grocery budget and tons of ideas for cheap, filling, healthy meals. It is possible to eat well on a surprisingly small amount of money with careful planning.

Have you done a detailed statement of affairs using http://www.makesenseofcards.com/soacalc.html and asked people on here to pick it to pieces?

Have you checked out www.entitledto.co.uk to see you are getting all the benefits you are entitled to?

Have you spoken to one of the free debt advice organisations such as CCCS or Citizens Advice?

Finally and perhaps most importantly have you seen a doctor about your health problems, you might also want to mention to the doctor that these problems are making you feel really low and perhaps depressed?

Hugs
Tixy

budget_2

Thanks Tixy
have recently posted SOA I try and be very concious when food shopping but sometimes am only left with a few pounds, spent my last 2.50 this morning on cheap loo rolls loaf of bread and 1pt milk, tomorrows another day will also look on the old style boards for ideas, have very good contact with my doctor especially since my OD attempt as you can emagine things are not good

dancingfairy

Other thread is here:
http://forums.moneysavingexpert.com/showthread.html?t=1945427
Maybe better to stick to the other one for now as has more replies on it.
df