Moment of realisation

sickofbeingskintallthetim

Here goes....finally accepted that things are pretty bad with my finances and the poor management of the past 5 yrs have finally caught up with me. Just hope I haven't left it too late:(

wannabee_in_credit

It's never too late to change...

Suseka

Having that LBM (light bulb moment) is the first step to sorting things out. What you now need to do is decide what next - and, depending on your situation - my advice would be to speak to one of the free debt charities (Stepchange, National Debtline, Payplan) and go from there.

I know SC have an online debt remedy tool - so you could have a go at completing that first, and see what the advice is.

There are all sorts of options - one being a method called 'snowballing' -which if you do a search on here you'll find more about, that has the benefit of keeping your credit file intact.

Others will affect your credit rating, but hey - guess you're not managing well with that anyways, so nothing is really lost.

Good luck with whatever you decide and be positive that you've taken that first step