Need help.

Bouncybubbles

In regards to the bed have you tried free cycle? or gum tree? people often get rid of unwanted furniture for free if you are able to collect. if you are unable to collect some will deliver for a small fee, or certain charities sell furniture we have a large one by us for British heart foundation which sell used furniture for good prices and will deliver for£5. i cant imagine it is comfortable to sleep on the floor heavily pregnant. Regarding treating the kids most of my best memories were from trips/presents that were either free or cheap. such as Blackpool, sledging (unlikely due to weather but you never know ) presents etc maybe just buy one present but ,make it useful such as those trainers they need etc but get them from an outlet rather than full price elsewhere. also ask friends/family who buy for your little ones for practical presents such as clothes, shoes and uniforms etc. Much more useful than a brightly colored piece of plastic that they may have otherwise received. in regards to your new baby have you joined Emma's diary or net mums? you can get loads of freebies off there such as baby wipes, samples of products etc that can help at least initially. Also are you planning on returning to work afterwards? as if not it may be useful to check you are receiving the right amount of benefits etc this would also stand if you are returning to work. in regards to your debt how bothered are you about your credit rating and clearing the debt in a year? if you are not that fussed and don't plan on needing credit for at least 6 years maybe a debt management plan could be an option. you could always inquire online with step change you do not have to do anything but it would give you an idea. again these are just my ideas and opinions and are not meant in an offensive way to anyone :beer:

fusionx212

Can you give us a breakdown of what your debt payments are? are any of these debts like pay day loans, a loan?
arrears on rent etc?