How to start? What to say?

lisa1987

Hi all, This is my first post so please bare with me :-)
I’ve been sitting here for the last 3 hours reading peoples post thinking what to say its so hard to say/type what i find embarrassing but will have ago.
As you can see from my user name im 23 and finally realised my debts are not going to miraculously go away. I have contacted CCCS passed on my information and setting up a dmp.
This all been a weight of my shoulder and finally starting to feel myself again when before i did not want to get out bed in the morning and spent more to make myself feel better even if it was just for that slight second.
Anyways sorry im rambling on problem is i got into a new relationship we have been together about 7/8 months ago with an amazing guy and he just asked me to move in (live with my parents at the moment)....my first thought YES YES! then reality set in ! He does not know about any of my debt he knows im awful with spending money etc but nothing about the debt.
Just writing this if any advice how to tell him ? Has anyone had to own up to their debt they have been hiding?.. Just feel after all this time its a lie been hiding it awful to live with just could not bring myself to do it. But also will cccs allow me to start the dmp if i decide to move in with him? we haven’t talked about figures etc

Thank you for reading i know i have waffeld on a bit any advice will be grateful.

Lisa x

Pedal_2

Hello Lisa, im fresh new myself and this is my first post too but being up late worrying seems like a good opportunity to reply

You've already made the first big step in contacting CCCS. When you finally get to say " we need to talk..." the ONLY thing he's gonna worry about is that you want to break up with him!
you watch the relief on his face when you say thats its the money owed thats making you question if you should. If he knows all about it im sure he'll be supportive
We tend to love people regardless of their finances. You never know he might have been there himself.

Happy Moving Day when it comes

secretshopper75

Lisa, well done on contacting the CCCS and good luck in setting up your DMP. You could always write down what you want to say to your BF in a letter, I'm sure he'll be very understanding and help you sort your finances out so that you can enjoy a life together.