In debt crisis never posted on here before please help...

miggy

You are having some very good ideas - like the swapping - sounds as though you are doing tonnes right and are being blighted by circumstances.
You mum sounds lovely
This is just a stage and it won't last forever; having a young child is very taxing, especially coupled with a job you don't like and you really need something for yourself. Right now, however, clothes are an expensive way of finding that. I think someone's already suggested cheaper sources of clothes for the baby, and you're already getting freebies (I love them too!), so the clothes budget has to come down, down, down... I'm sorry that will leave you without the pleasure of just going out and buying, but that will come round again in time.
You don't have a lot of time or energy to spare right now, but you do have those odd hours for shopping. Plan what you are going to buy (it's true that making a list and sticking to it saves money!) Would your partner do the shopping sometimes and leave you free to have a friend round for coffee or something? When you need to be at the shops, put your energies into bargain hunting. If you haven't already looked, go to the Old Style thread here - they make some gorgeous stuff for next to nowt. Especially look for anything by Weezl74 (like this (won't hyperlink) https://forums.moneysavingexpert.com/discussion/1157641 ) - she's a mum with two very young kids who does amazing things with next to no spends. You could find, as so many of us do, that the quest to cut expenses becomes rewarding (and addictive, LOL) in itself.
You have lots on your plate: take it a bit at a time, make a list, tackle one thing at a time so you don't get overwhelmed. Besides, if you have a list, you are less likely to lose track of some suggestion that might be helpful.
But not now, it's late!

miggy

Hi angelface,
Just wondered how it's going? Keep chipping away at it - 'every little helps'!

angelfacecuti75

hi there miggy,
i am sorry i havent had any time to post here yet, my mum has paid off bank charges i have but in meantime the companies keep ringing me up asking for the arrears on stuff, one asked me to pay £300 a month and £464 to clear next months and this months payment aargh! i am still in my pjs today we have no milk - and oh is gone out so no money to go anywhere (i have a pound in my purse today) and have lost all will to do anything really. my 2 yo is bored lol and so am i. there is a park next to my house so am thinking about going there, am still in my pjs at half one in the afternoon ugh depressing lol . xxx

miggy wrote: »

Hi angelface,
Just wondered how it's going? Keep chipping away at it - 'every little helps'!

eyeopener2

Hi

I've just had a brief look at your thread, and I don't know if this has been covered, but I would ring the Consumer Credit Counselling Service or do their on line Debt remedy.

I've just embarked on a Debt Management Plan with them and they have been great. Its not easy at first, i'm still in very early days, but you will find the advice invaluable and it may show you a way out.

its worth half an hour online later when you've been to the park. I have a £1 as well at the moment and am off now to the park with my 4 year old. Hey, he loves it and its free. What more could you want.

Penny-Pincher!!

Sorry, but would it make more financial sense that if YOU have a degree, then you get a full time job and your partner look after the child? I would of thought that that you could earn a lot more than <1k a month!

There are lots of jobs that can be worked around a child and most househlds have to do this to survive. Can you not work nights or a couple of nights a week in a supermarket? Cleaning for people and ironing are good earners....lots of jobs....Avon etc etc.

Sorry, but Ive only read excuses so far.

PP

sparklymessygirl

Penny Pincher - the OP works 37 hours a week.

Sparkly