debt helpers

Nina6462

Hello everyone

Sorry if my budget post was confusing as new to the site, i probably rushed it a bit too quick!

Food and fuel definetely a cost. I have started using mysupermarket to asses shopping, i already grow a lot of veg myself which is why gardening cost is £5 a month worked out cost of manure/compost/seeds over a year and split it.

Parnter works and i look after the children.Used to earn a wedge and think that is why debts ran up, no excuse but yuo get used to being able to buy whatever food you want, but cannot now.

i have been paying the dreaded minimum on four cards and that is why so in debt. all maxed out, have contacted natinal debt advice line and been told to ask for a 6 moth break, which i have done and sent my budget, not the one posted here but basically stating we have a £1400 deficit a month.

Awaiting a reply, Virgin(MBNA) have called everyday, but my letter says contact by post, so ignoring them. Others Barclaycard, Halifax, Capital One still nothing, have cancelled direct debits to them so they should be on case soon.

Overdraft run up due to keep paying these wasteof time minimums and defaulting, so extra charges

Swirly debt path.

Own own home with not much equity, and not defaulted on mortgage (yet!)

Thanks:)