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Hi all

Hi all

Been lurking on here for a while thought i would post

Spent 15 years offshore had a great life enjoyed every minute of it.

Then Boom 2015 150 of us laid off in one swoop and our world fell in.

Managed to get a job with a small company back in UK but went from 50k a year to 24k a year that didn't work out then unemployed for 8 months.

All the savings i had have gone on topping up when i was earning less and paying bills when i was unemployed, the money didn't last long now defaulted on loans and credit cards etc

Debt as it stands around 30k.
I have just started a debt management plan with step change and have recently started working again though my wages just about covers my bills
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