Same Same, but different.

lonelyrat

Well, here I am again.

So, I believed things to be on the up (despite the pandemic/ uncertainty regarding having a baby on the way), unfortunately things were not on the up. 

Good news first:

• Baby Lonelyrat arrived in June 2020 perfectly healthy and is now a boisterous, almost, toddler. 
• OH is still employed by a decent company and looking at a potential Christmas bonus. 

No so good news: 

• Finances in the toilet. SSP at the start of the pandemic, followed by SMP, followed by not returning to work (low paying job meant childcare and travel actually cancelled out my salary) has really hit us hard. 
• No income, other than OH's meant my debts became unpayable. 
• So, I have started a DRO. Which is mildly terrifying and seems incredibly official. 

Oh, crying baby. Will be back. 

fatbelly

DRO sounds like a good option. Who are you doing it with?

sourcrates

DRO may "sound official" but in reality you won`t know your in it, little will change, except your debt will vanish, kind of happens in the background, your life will go on as per normal.