Dont know where to start or where to turn ..

nelly_2

Get in touch with your creditors and explain the situation, maybe request a repayment holiday. ie - a break in payment for a couple of months till you get back on your feet so to speak.

And read this ---> click

And Triker you can click edit and add to a post rather than multiple posts however it was funny watch all the apologies

Janey51

Hi jbaugh.
How are you feeling this morning?
Its a big thing to come on MSE and pour put your heart for the first time.:A

You have already made a really big step so keep on posting and the experts will help you through this and the rest of us will send you all the hugs you need.

If you can't bear the phone calls, change your number, the bliss is wonderful.

Contact the CCCS (link at top of page) on Monday and let them take the strain.
This time last year I wanted to end it all because of my our debt. It hasn't been easy but we had a good MSE Christmas and I am now looking forward to the future.

iceicebaby

Bump !!!!!!!

Triker

Bumpity bump, for those who haven't seen it.

jbaugh

hello

Thanks for the kind words..

Doing a statement of affairs tonight as i need to open some post and want children in bed when i do that!...

I have found out that my local CAB have a debt counsellor on a Wed afternoon and as Rob (my partner) is off then i will go this Wed nd see what they say...does anyone have any idea what i should take with me..

I do know i owe the following

Capital one 2085.00
lloyds visa 1450.00
ge capital 850.00
(store card)
bank loan 800.00 only 10 more pyments left so not worried about that

total 5185.00

will get back later a dirty nappy has my name on it!!

jo x

iceicebaby

hiya Jo

Can I ask which part of britain you are from?

And BUMP!!!!

vivaladiva

If your income has taken a dive have you checked you are getting all the cash you are entitled to. Try https://www.entitledto.com . Make sure that the Child Tax Credit people have up to date info - esp new addition and lower income. They stop your money quickly if they are overpaying you so perhaps an enquiry might be a good idea if you think they are underpaying.

jbaugh

Hi

The north west ...chehsire why?

jo

jbaugh

Yes bizzi mum done that as we were getting tax credit before we also got tje 500.00 grant...thanks for the input i have started that spend diary today and so far i am on 0 lol...as its football lessons this afternoon that will go to aprox 4 pounds for my son but that in theory will be it for todays total spen ...as someone on here has suggested i am giving up fizzy drinks so that will save some more ...it isnt to you see what a can of pop and a warm sausage roll costs ove the year you realisehow much yourspending

ie

60p sausage roll
50p pop
1.10 5 days a week

thats a amazing 286.00 a year and yet seems like nothing my god why has it taken so long for me to see the light


jo

jbaugh

my keyboard keeps missing/ jumping sorry for sp errors