Debt, debt and more debt.

beanielou

How about I give you 15 & p & p?
What tog?
Thanks:)

chelseablue

Your husband sounds the same as my husband (well currently my ex-husband) right down to the golf, football and booze, mine smokes too. And I found out in March he'd joined a dating app on his phone. They could be twins!

I'm a lot better off now that I'm contributing to his party lifestyle. He's 30 but acts 18

Good luck in your journey, you can do this!

JennyJukes

Hi Emma,

Very glad you've seen through your husband. Typical for them to turn it around onto you. Good luck with whatever you do. Been there, was hard, now really happy.

Had a right laugh about the mattress toppers - what sort of competition gives out 28?! Would be better to give 1 to 28 winners? One time a colleague of mine won 20+ fresh pizzas then realised she had nowhere to store them all so tried to give out to friends and homeless people but wasted a lot! Bit silly.. Good luck getting them sold!

MillennialDebtor

Hi Emma

I've lurked on this forum for a long time but have only just made an account. Yours is the first thread I'm subscribing to - really hoping your situation improves and everything works out for you!

beanielou

Do you really need 3k for your escape fund?
That seems a lot :think:

beanielou

The sooner you are out of that toxic environment the better.
Lovely thing to do with the mattress.

beanielou

Happy camping

jools1985

Your post about winning all those mattress toppers and putting them in the car on your mum made me laugh out loud. So funny. good luck with selling them a tidy little profit can be made there.


Rather than asking SC to lower your payments to them, would you consider going self managed? You could give yourself a 3-6 month payment break by writing to your creditors telling them your have had large unexpected expenses and wil have to re-jig your payments. Offer them token payments or nothing for 6 months. You could tell them you can't afford to pay anything at present but will resume payments in for example February? You'd then be able to save your non payments for your escape. I'm no expert and have done this myself but maybe it's worth seriously considering. It must be such a strain living with your husband's unreasonable behaviour.


Just my thoughts

danandjens_worldtravels

I would suggest you Phone StepChange and tell them about the change in circumstances. Tell them you can only offer minimum token payments £1 or £5 per month per creditor. Ask that this be a 3 to six month (preferably 6) arrangement.

Get out, sort yourself out and do a new SOA and then contact StepChange before the end of the token payment arrangement and set up a new SOA or other debt solution depending on your circumstances then.

You’re already in a DMP so no further affects of reducing to a token payment. Spend your time, energy and money setting yourself up and being happier.

beanielou

Baby steps to freedom