DMP / IVA or Self Managed DMP?

Gettingbyhustle

No one offered any help so I have deleted my post. 

Grumpelstiltskin

Are you renting or do you have a mortgage?

Grumpelstiltskin

OK If you are renting don't touch an IVA with a barge pole, don't believe the ads. you see on social media they are a con.

Grumpelstiltskin

Start by reading this thread and complete a honest SOA, format for MSE and post it on here then we can see the full picture and we can advise you the best way forward.

In Debt and Wannabe Debt Free? first Steps to take are here, please read, then ask questions. — MoneySavingExpert Forum

Grumpelstiltskin

So your partner pays £875 and you pay according to your SOA  £1275? There seems to be something wrong there.

RhiBi

I am by no means an expert - for debt or relationships,  but is your partner on a similar monthly wage to you?  If he is earning more he’s going to have more disposable income than you.  In which case he should really be paying a higher proportion of bills.  

ManyWays

How long ago was your redundancy and how many of your debts have been taken out after it? 
How secure is your current job? 

fatbelly

Gettingbyhustle said:

No one offered any help so I have deleted my post. 

I only noticed your post at 10 pm.

You posted it at 4pm and deleted it at 7.30

If you are prepared to re-post you will get help.

Grumpelstiltskin

OP If you come back do you realize everyone who posts on here is a volunteer, we are not MSE  employees and we do have lives outside MSE.

You are not going to solve your problems in just a couple of hours we can't wave a magic wand and sort everything out but if you are prepared to work with us we can help you.