Debt solutions

NeverendingDMP

I think dmp is a good option once defaulted. Some areas of your budget are pretty tight though. A budget can be reviewed in a dmp at any point but if food was increased to 150 a week, hair dressing upped a bit car maintenance costs increased etc and other areas people have suggested none of the people you owe money to would challenge it. It's been a couple of years since I sent anyone a budget but I was regularly informed some of my original budgets were on the low side by creditors and asked if my figures were correct -sounds odd I know.   Better to have a budget with a bit of slack and take a couple of months extra to pay that it be really tight and you really struggle to maintain it. I think the general consensus is to stop the payments to the debts so they default (new bank account first ) practice your budget and stash away some funds as an emergency fund and then look to start dmp payments.