Struggling & Dont know where to turn

CamRonz89

Hey People

I am in debt and dont know what i can do to help myself I have water mobile phone & bank debt all in the region of £500 i know this is not a huge about but its worrying me to the point that its affecting my mood and already bad depression a few months ago i posted on here about my bank debt and i had some lovely people talk and try to help me. but I have burried my head in the sand and hoped that it would all go away but it hasn't its just got worse like these things do. I took the first step in helping myself i went to a cab local office and spoke to a debt adviser who gave me a money advice trust booklet and told me fill in a budget sheet and go from there and send it to my creditors. I work part time and dont get alot of money after paying my rent council tax and other bills But i just want these debts to go away so i can rebuild my not so great credit file (if i can rebuild it ) any advice anyone has would be greatly appreciated. I am getting alot of letters from a Dca called intercred who are on behalf of affinity water who i am in debt with needless to say its causing me alot of stress and worrie sorry for my long post thank you

When_the_going_gets_tough

Have you followed the advice you were given at CAB? The debts won't just go away I am afraid. Take a look at the National Debtline website to see what your options are - but the first step in all cases is to complete a budget sheet so that you can see what you have left after you have paid for your basic living costs.

CamRonz89

Hello When the going gets tough

Yes i am in the middle of working out my budget i shall have a look at the website you have advised thank you for your reply

Cameron

jodles16

Working out a budget is the first steps after sharing on here! You will find loads of great challenges to do with making and saving money on here as well. A lot of folks complete a SOA and share to that others can advise, and also heres the link to Martin's great thread and then a link to the main website advice!
https://forums.moneysavingexpert.com/discussion/107280

Good luck!

Jodles :j

GunWharf

Well done on posting, that is the first hurdle.
Plenty of support on here, I did not know where to turn at first. Many helpful people on here and that is what makes a huge difference. Look at my Signature, I was in a right Mare!

If you ever get down, look at the size of other peoples debts, can be a great motivator. If they can do it- so can you!

Good luck

Bonfire_Bride

Seriously...the minute you take the first proactive step towards clearing these balances you will feel a million times better!

The CAB will help plus, please don't underestimate the support of this forum...when you're feeling low...pop in and have a chat. You will find soon enough that you will be helping others who are experiencing a situation that you have handled!

Good Luck!