We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

help and advice please

Hello to all
i need advice on how to get out of my debt with my credit cards!!
i am not in a position to do debt management as i dont have enough disposable income, i dont want to go down the iva/ bankcruptcy route as did that with my partner in 2005 and have been through hell and back surviving this and saving our house. just to make things even better i am expecting our 2nd child in December so my income is going to drop dramatically soon!
In need of helpful suggestions to try and solve.......
thank you.
:confused:

Comments

  • Larumbelle
    Larumbelle Posts: 2,140 Forumite
    Post an SOA for us to have a shufti at and we'll see how we can help you cut down spending and what to pay off first. If you have a lot of card debt and not much disposible income, though, a DMP my be the only sensible option to go with.

    Read 'where to start' at the top of the board to learn how to post an SOA

    welcome. And help is what we specialise in ;)
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247.1K Work, Benefits & Business
  • 603.7K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.