Back in debt and on DMP after battling addiction 😢

root

I think for the same that reason debt consolidation never works, it’s just kicking the can down the road or worse making the problem even bigger.

Realistically what is the car used for? 

Personally if I was at rock bottom and I could walk to work (I.e there’s no motorway I’d need to get down) then I’d be getting up earlier and walking. 

Running a football club whilst in this situation would also be completely frozen, assuming you aren’t earning anything from it.

Have you sold what you can yet? 

kimwp

root said:

I think for the same that reason debt consolidation never works, it’s just kicking the can down the road or worse making the problem even bigger.

Realistically what is the car used for? 

Personally if I was at rock bottom and I could walk to work (I.e there’s no motorway I’d need to get down) then I’d be getting up earlier and walking. 

Running a football club whilst in this situation would also be completely frozen, assuming you aren’t earning anything from it.

Have you sold what you can yet? 

Don't forget that mental health is important (re the football club). Could maybe someone pick you up though?

root

kimwp said:

root said:

I think for the same that reason debt consolidation never works, it’s just kicking the can down the road or worse making the problem even bigger.

Realistically what is the car used for? 

Personally if I was at rock bottom and I could walk to work (I.e there’s no motorway I’d need to get down) then I’d be getting up earlier and walking. 

Running a football club whilst in this situation would also be completely frozen, assuming you aren’t earning anything from it.

Have you sold what you can yet? 

Don't forget that mental health is important (re the football club). Could maybe someone pick you up though?

I hear that but he's got a 20k car on the tick, that he seems to be finding ways to keep on the tick. Nobody needs a 20k car in this situation (debt, etc etc.)

The car is on the tick for more than the share of rent.

There is a 63 pound a month phone contract.

There are 5 different unsecured debts. There is 0 emergency fund. there is no way in hell you can afford to be paying 400quid a month for a 20k car in this situation. Time order or not.

According to the SOA the household even has 2 cars.

Plenty of other things you can do for your mental health.

I'm not having a go here but this really is a rock bottom situation and it doesn't seem to be being handled like a trueerock bottom situation.