Secret debt and coming clean....

Kev224

I really feel for you, that must be horrible. I don't blame you at all - we all think we can manage it at first.
Can't give you any expert advice but I guess the first thing to do is to get him on board. Good luck and well done for plucking up the courage.

Historybuff

Hi there, Sufferinginsilence, well done for admitting to yourself and having your moment of realisation. Your post totally resonated with me because I was you four years ago. My debt was in the £50,000s and I was I turmoil over whether to tell my OH about it. In the end I didn't and sorted it out myself. It's doable. Four years later, I'm down to owing just over £9,000 on interest free small payments. Please do not consider selling your home to pay off the debts. Take a deep breath and give Stepchange a ring. They will give you great advice and point you in the right direction of how to set up a debt management plan.The NEDCAB site also has tools to help you budget and work out how much you can afford to pay creditors.
I found great help on these boards, reading other diaries and having the support of others on here. Have a look at my diary, Reeling from the Reality Check. It might help, especially the early posts because I was in exactly the same boat as you. There is a way out and you don't have to sell your home to pay off the debts. All the best! I'll subscribe. x