Scared of Debt, Divorce & Losing My Home – Please Help

ManyWays

You have to stop worrying about getting a new fix when your current one ends, you have a lot of major problems but that is not one of them and it will stop you thinking about the real problems.

Ask UC about SMI - you do not have enough money to live on at the moment ieven if you pay nothing to your debts.

You also have to find out why you do not have a council tax bill. It is unlikely that it is right, and you do not want to get a large back bill for thousands when you should have been claiming council tax support that would have reduced it to hundreds.

Your car, do you own it? How much is it worth? You have to allow for car repairs, is that in the £80 for transport costs?  and 

As you are on UC you should be able to switch to Virgin's social tariff and save money: https://www.virginmedia.com/broadband/low-income-families. You don't have to wait until your current contract ends.

£200 a month is VERY low for food and "household shopping" if that is things like loo rolls and shampoo. 

£150 a month for Christmas is daftly large. Christmas this year will be more fun if you spend very little. Tell all your family and friends you cant buy them anything. 

You have to budget for clothes for you and the little one.