Help. Nowhere to turn.

DebtSpiral99

Thank you for the reply. Can you send me a link to someone else who has posted an SOA and I’ll try and sort over the next day or two.

Unicorn_cottage

Hi DebtSpiral99

Link to the SOA calculator
https://www.lemonfool.co.uk/financecalculators/soa.php

Am example of someone who has posted an SOA is here:
https://forums.moneysavingexpert.com/discussion/6057423/soa

Unicorn_cottage

And another example for good measure

https://forums.moneysavingexpert.com/discussion/5585379/drawing-a-line-under-the-debt

katsu

Good luck Debtspiral99. I promise that growing up without big holidays etc did me no harm. I'm happy, debt free and mortgage free. I promise your family don't need everything you think they do.

You can sort this out with all the support here.

MalMonroe

Please do contact one of the free debt agencies. A few years ago, I was at the end of my tether and phoned StepChange. You are luckier than I was as you have a partner who is willing to help you, I had no-one. All the same, StepChange helped me enormously. They can advise you and they can arrange plans for you. Instead of putting an SOA on here, you could call them and give it to them, they will not judge you and will help you. I was able to sleep at night once I'd sorted out all my debts. I'm now in a much better position because I did not know where to turn or what to do. When you are in financial trouble, I know what it's like, you can't think straight. But one of the debt agencies really can help. StepChang I recommend wholeheartedly. I wish you all the luck, but you do need some help. They will help. 0800 138 1111.