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£10k debt advise needed pls
Valio
Posts: 8 Forumite
Hi all,
Am new here and desperately need help...because of my stupidity I currently owe 5-6k to several financial institutions and 3-4j to friends and relatives. I’m ashamed of this and extremely desperate cuz it’s mostly caused by gambling. At least I finally accepted the fact that I have a problem and will attend my first GA meeting today.
Could anyone please advise would it be a good step to start a DMP with StepChange it and are basically the positives and negatives of going into one?
Many thanks in advance!
Am new here and desperately need help...because of my stupidity I currently owe 5-6k to several financial institutions and 3-4j to friends and relatives. I’m ashamed of this and extremely desperate cuz it’s mostly caused by gambling. At least I finally accepted the fact that I have a problem and will attend my first GA meeting today.
Could anyone please advise would it be a good step to start a DMP with StepChange it and are basically the positives and negatives of going into one?
Many thanks in advance!
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Comments
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Stepchange would be a very very good start.
My next course of action would be get as much help as you can with gambling, I hope the GA meeting went well.0 -
Scott-Weiland wrote: »Stepchange would be a very very good start.
My next course of action would be get as much help as you can with gambling, I hope the GA meeting went well.
Agree with this.
Hope GA went well.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Just came back home from first GA meeting (stayed for both newcomers and main sessions). The stories of people who went through this even being in a much much situation than mine did really impact my mentality and my determination to deal with this!
Calling StepChange first thing in the morning!0 -
Hope your call to step change went well
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Loads of support is available here post as much as you can.0
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Update: shared with my sister, she understood and will help out with the debt! Will avoid StepChange at the moment, as situation drastically turned around with her help, but will keep you updated how I!!!8217;m going through the mess I!!!8217;ve put myself into.
One thing is sure: my mindset is much much better now and desperation is finally gone!
Thanks for the support everyone!
Wishing all of you a great day!0 -
Glad that you were able to share with your sister & that you feel easier.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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