Help!

lalli_pickle

I'm in trouble :eek:

I owe roughly £20,000 over loans, credit cards etc.

I earn £2,000 odd per month which is immediately eaten up by rent £750, childcare £1,000 and petrol to get to work £200.

I can't afford to pay anything on my debts, but equally can't afford to get iva or br as I'm an accountant (even more :eek:) and can't afford to lose my job.

I've signed up for survey sites, am selling things on ebay and have 3 jobs working 90hrs a week (2 of which my accountants firm don't know about).

I'm also doing a small amount of self employed work as a bookeeper and delivery driver.

What more can I do to earn money? I need suggestions from people who've been here. Bar prostitution (I'm too fat/old etc) what else is a good way of making reasonable amounts of money?

Tixy

Hi lalli

Have you considered a DMP? or at least sought advice from one of the debt charities?
A DMP would be okay as an accountant as is not a legal agreement or a form of insolvency.
Is there any chance of overtime at work and if so might it pay better than one of your other jobs? (without increasing your overall hours).
Your childcare looks high -is there any way of getting cheaper childcare? would work let you work from home 1day a week to save some of the childcare costs?
how old are your children? is this cost likely decrease soon from them going to school?

UnderPressure

Hello

From your post it would seem your biggest problem is chilcare, crikey a grand a month why do you not receive any tax credit to help with this? ALso TBH none of it makes sense, do you not eat, pay utilities etc etc etc there seems to be a huge shortfall here?

Fiddlestick

lalli_pickle wrote: »

I'm in trouble :eek:

I owe roughly £20,000 over loans, credit cards etc.

I earn £2,000 odd per month which is immediately eaten up by rent £750, childcare £1,000 and petrol to get to work £200.

I can't afford to pay anything on my debts, but equally can't afford to get iva or br as I'm an accountant (even more :eek:) and can't afford to lose my job.

Can you use the templates to post a full SOA (Statement of Affairs) so we can see where all the money is going exactly?

lalli_pickle

Thanks guys,

I'll do an SOA when I get home and see what you think. Basically at the moment I'm borrowing money from provident, friends and family to pay for the essentials, but I'm running out of credit now.

Verbatim

Are you getting help with the cost of child care? If not would you not qualify for tax credits? Do you need the car? If you can get to work with public transport that could save a lot??