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I finally admit it - I need help!

rachey18 · 2012-09-17 10:06:00

Hi all, I'm in a spiral of debt and really need help. I'd like to say I don't know how I got here but I do really, I've basically been living on my credit cards. Food, fuel, clothes (not excessively) you name it if there wasn't cash in the Bank I just used to whack it on the card thinking i'd pay it off the next month or…

Comments

RAS Posts: 36,445 Forumite

17 September 2012 at 5:26PM

Yep

it is a tad harsh.

At the moment their non-mortgage debt is around about as much as they earn per year after tax etc.

They could recover from that with luck and determination. If is gets any higher, then they need to talk to a debt charity and things will eb a lot harder.

By the way OP - do you have a spare room? If so, lodgers are tax free up to £370 per month. And that has to include anything you include in the bill like CT.

If you've have not made a mistake, you've made nothing

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