Help with tweaking SOA

slscarborough

I am just glad that my other children are only 4 and 1 and cannot see what a failure I am.

joolsybools

How is trying to help yourself being a failure? You're taking steps to sort your situation out, that's called being proactive and taking control

jinky67

slscarborough wrote: »

I am just lad that my other children are only 4 and 1 and cannot see what a failure I am.

You will be teaching them a better lesson by showing them how to get through hard times, you just cant see that yet. And I know they are too young to really know whats going on.

People in far bigger than yourself have made it through to the other side, so dont fret

CH27

slscarborough wrote: »

I am just glad that my other children are only 4 and 1 and cannot see what a failure I am.

Stop talking like this. You will drag yourself even further down.

Things are tough but things can improve.

Talk to CCCS about the temp DMP.

slscarborough

Just having a bad day and feeling sorry for myself. I know things will get better.

I get a bonus in June which should be about £1000 pounds after tax so that should really help and am due another pay rise which will be at leat another 50 a month from June also.

slscarborough

I am dreading a drop in tax credits from next month though even though most people seem to think I will not receive a drop I am scared I will.

Will a temp DMP not screw things up for the future? Not sure how much it would help either. A few months freezing the debt cant really help as most of the debt is interest free anyway.

slscarborough

My bank balance is now at zero. So if I dont sort things out soon I will be hitting my overdraft.