Soa

Clairee_4

Not great, but i dont think i ever had ccj or anything, thats why i thought the loan may be a better option, getting all debt in one place and working on that.
What is a DMP??

mrsspendalot

debt management plan - basically phone payplan or CCCS (numbers in links above) and they will basically work out what you can afford to pay towards your debts each month and spread the payments fairly between all your creditors. It will probably mean defaults etc registered against you which stay for 6 years, but it would relieve the burden and you would probably get interest frozen.

Clairee_4

Xmas & birthdays at the minute are cancelled. lol
Father in law wont freeze payments, i have tried that already.
I cant pay everything each month so i pay the people who ring me first.
The sky thing is new, cheaper than virgin, and the insurances i ahave just changed thanks to this site so they are low. I am currently looking at gas & elec.

Clairee_4

Most of the debts are down to me, i think spendaholic is a name i should use.
and my hubby knows nothing about them. He would not go for DMP. Hes lookiing to move in about 3 yrs when the oldest is out of school. !!!

Skint_Catt

Have you checked out the oldstyle board to see about cooking from scratch or using a slow cooker?

mrsspendalot

Well not meaning to sound awful, but I think you have to tell him as before long if you can't meet these payments every month you will get defaulted anyway by your creditors. You might not have any choice regarding a DMP. Loads of people on here have been in the same situation regarding telling partners and they will be able to advise you better.

Clairee_4

Will check out the oldstyle board thanks.
I will tell him as it looks like i have no choice now,
Oh happy days.......

So to recap
No to the Barclays loan then, list debts in full (not forgetting any) and take it from there

jacs76

hi not much else to offer but im assuming child benefit is for 2 children so thats £120.60 (an extra £20)
are you in debit or credit with your gas/leccy?
due to experience PLEASE CHECK these give them new readings,you never know they could reduce your montly payment i did this last month and got £201 credited AND halved my monthly dd.
please don't take out any more credit!
why don't you have a look over on the old style boards for tips on everything to do with reducing food/household costs they are fab .i am still taking baby steps but for a family of 4 i have got it down from 350 ish to 250 ish and even i know i could do better
can you cancel sky or reduce package
i have no experience at all on dmp's etc so i won't even pretend i do,but even after cutting back to bare essentials if the sums still arent adding up please do call the helplines mentioned in above post people on here have been helped no end by these people.
good luck jacs x

Skint_Catt

Is the Sky on the most basic package you can get? (That's if you can't cancel altogether and get Freeview!)

C xx

mrsspendalot

Let us know how you get on xxxx