thanks to all

RosieandJim_2

Posted in BR section and have spoken to national debtline who have been great. Long story short was on DMP, got into more debt with payday loans and provident, I know not proud of it either but finally faced up to it and created a new and honest SOA which we can live on and now just await the paperwork etc to start afresh.

I know some people on here can be offish but from my point of view everyone is fantastic and BR for the moment isn't for me once again thank you all.

spursfan14

best of luck!

Tixy

Glad you have found a solution that will work for you and have a budget you can manage.

Remember if you have an proper emergency in future rather than take on payday loans or similar, instead try to reduce your debt repayments for that month just to token payments (explaining what the emergency is and why you need to do this). Its not ideal but its better than taking on any more debts.

Good luck

Nargleblast

RosieandJim, welcome and well done for getting a plan together to sort your situation out for once and for all. Don't forget there are other forums on this site that can give you ideas for cutting costs and making the most of your income - eg the Old style moneysaving board.

Any problems arise in the future get on here pronto and you will get help and support from people who have been in your position.