help.....support....answers please :(

maccymum

Hi
firstly i am so so sorry if this appears as i am a whinging! i am just looking for a wee bit help or support.
i am married with 2 dependants and an 18year old. we both work but stupidly have gotten in 2 alot of debt again (you would think we would learn from our mistakes but NO!!!:mad:) we currently have a consolidation loan taken out 2 years ago and runs for another 3 we pay 222 a month....but even more stupidly are now 17500 in debt! we r just managing to survive but there r no extras and it is now at the stage of affecting my health and relationships! i have never really suffered from depression but feel i could be heading there! we have no equity in our wee house so a remortgage is out the question> we r considering a secured loan but unsure if thats the right thing? i have done the switch suppliers and martins budget thingy :money:but it hasnt helped. there are 3 adults, 2 teenagers and a dog in my hme and i spend about 80-100 in shopping a week....is that 2 much?
i have tried 2 get another job but there is nothing
can any1 help?
thankyou so much 4 reading and sorry for moaning,

M

McKneff

You really need to post up a Statement of Affairs so we can have a look at and help with your budget. It's amazing what fresh eyes can do.

As you have found out, borrowing more money to pay debt off is never the answer.

squidgychesspiece

Hey,

Don't worry, you are not moaning at all and everyone here is in pretty much the same boat (or has been) so understands God I know we did the exact same thing as you - got into debt, consolidated and then got into some more debt

As McKneff said it's a good idea to post your S.O.A and then people can really offer ideas but I certainly don't think your grocery budget is particularly excessive for 5 people and a dog.

ETA: Is the 18 yr old working? Can they contribute at all if they don't already?

never_too_old

This is a great thread for help and support,lots of clever people who can show you ways forward on your soa.
Like was said before most of us have made the same mistakes ,It may be difficult but you will get there.:D

maccymum

thankyou all i reposted in the debt free wannabe and added soa but think going 2 get debt plan
have started cccs so going in right direction again many thanks x