im louise and in debt alot

loobbyloulou30

hi i just joined, cos i relise after yrs, that i owe alot of money. and need help at the same time i fel silly, but know that i have a huge problem that needs sorting out fast
i dont know what i do really.. sorry to be thick..

louisex

saverram

Louise
welcme to mse First u need to know how much the problem is
just sort out u r SOA and how much u own on what and their aprs. i f u can post u rincome and outgoing we cn try to help u to cut down and give u moral support
all the best
saverram

Glass_Half_Empty??

Well first you need to tell us what you earn and what you spend it on, then all these nice people round here will help you to cut back or get rid of things you needn't spend on. Sorry I can't help personally but I don't know enough to help you but i'm sure these guys will help you

halloweenqueen_2

Well done for getting on here, if you post your debts and your income, or SOA, we can help you try and cut back on things and advise you to pay off the debts with the highest interest first. Good luck!

SunderlandBlackCat

Hello & welcome to the board - there are a lot of us in the same boat.

The best place to start is to post a SOA (Statement of Affairs). There are some very knowledgeable people on here who will be able to use that to offer advice.

Theres a thead at the top of the board that tells you how.

hannah:-)_2

First don't panic!!!
I'm a newbie too. First step seems to be work out how much you owe altogether (most Debt Free Wannabes add details in their signatures) then take a bit of time to have a look around the different DFW message threads to see the sort of questions and answers people come up with :-)

loobbyloulou30

thanks
total income monthly
jsa £240 hubby not working
child tax credit £760
child benefit £250

i start a part time job next wk,, income £600 a month.

outgoings monthly
rent £160
council tax £ 50
sky£45
fone£40
t.v£26
gas £40
electric£40
wTER RATES£60
car insurance£33
petrol£40
catalogue £30
food £300-400
child care£110
aol £24.99
arrears
council tax £2500
water rates£1300
loan £4174 91
credit card £2023.87
barclays£190
catalouge £400

i think that is it.. ouch.....

HairyHandofDartmoor

Hi you're in the right place to get help. Noone will judge you, most of us are in the same boat and so we understand what you are going through.

Your soa will enable people to give you the best advice to help you.

System

Yep you're definitely in the right place. You will get all the help you need here and more. Keep posting.

Gorgeous_George

Ditch Sky.

Water rates too high - get a meter

Rent too low



GG

rog2

Will your part-time job affect your tax credits?