Hi newbie here and could do with advice x

Melscash

Hi guys I've read a lot of the threads and have been lurking for some time. Want to firstly say hi and I'm hoping someone could be ruthless with me as I'm in a bit of a debt nightmare.

Let me give you a little bit of background, my and my hubby split up about 4 years ago..I am self employed and my business does ok. I am a money waster and will spend any spare cash I have, but I have a load of debts too which I've been paying off for about 5 years at minimum payments. I owe about £20000 in total and have no savings.

Me and my hubby have slowly been getting back together over the last few months, and he is due to move back in in August. He works full time but pays a load out to the CSA through a DEO. He also has a couple of debts totalling about 10000. I know when he moves in we will be worse off financially as we won't be entitled to tax credits etc so need to know how we can manage and if we can cut back anywhere.

Could someone post the link for the SOA? I will fill it out with our combined earnings- think it will be scary stuff :eek:

his_missus

http://www.makesenseofcards.com/soacalc.html

I think this is the link, if not someone else will be able to post the correct link shortly, I'm sure