I am in a mess and don't know what to do

joeblags

how I delt with my debts was instead of been addicted to wasting money I flipped it and became sort of obsessed with lowering my debts which was kinda like a challenge. every week / month I reduced my credit cards / overdrafts & other debts for around 18 months till my last payment . because I spent quite a while not spending anything I don't know what to do with money now LOL, I don't waste it any more that's for sure

mollypolly

It may be worth giving Stepchange a call.
I have just set up a DMP with them. They are really good.

And my husband knows nothing about this.

I did it on my own debts only although one was a joint overdraft which has been included as well.

Good luck xx

joeblags

another thing I will say is , unless your at a point were your going to end up with no home and on your !!! in the street then don't let money get your down. itll get repaid when it gets repaid.

[Deleted User]

I have just paid £10 off my N card. Not much but it is better than nothing.


Will contact all the cards to find out the full balance on each. I know each card has various balances with various APR's as they were done when offers ere sent to me.

[Deleted User]

heartbreak_star wrote: »

Are you being medicated or otherwise treated for the depression?

HBS x

I have a health condition that will never get any better. The depression is just one of the side effects of it. I do have tablets for that

[Deleted User]

Bedsit_Bob wrote: »

Any chance you could sell one (or both) cars, and buy something cheaper and/or more economical, cheaper to insure and/or tax?

We couldn't afford to swap the cars. I need my car because of my health condition and OH needs his as he can do upto £35,000 mile a year depending on where he is working. Smaller cars would not be beneficial to us.

rockm87

uselessnow wrote: »

I have just paid £10 off my N card. Not much but it is better than nothing.


Will contact all the cards to find out the full balance on each. I know each card has various balances with various APR's as they were done when offers ere sent to me.

It's all good! be positive!

keep going!

fairy_lights

uselessnow wrote: »

I am not answering this question again. I am not telling hubby.

But if you're not working and don't have much money coming in, I don't see how you will be able to pay it all of without him knowing. And if he does find out, how is he going to feel about the fact that you didn't tell him?

Pixie5740

mollypolly wrote: »

It may be worth giving Stepchange a call.
I have just set up a DMP with them. They are really good.

And my husband knows nothing about this.

I did it on my own debts only although one was a joint overdraft which has been included as well.

Good luck xx

You have joint accounts with your husband though so you are financially linked to one another. Your defaults will impact his credit file. Although that will only be an issue if he tries to apply for credit so you might get away with it.

asparagus1968

Hi, do you have your own bank account ? what money goes into that every month?
Do all your CC minimum payments get paid out of that?