Approaching 60 Riddled with Debt SWF

fay66

Hi 
Ive been here before but I will start with my new story

I am Fay 59 approaching 60 in April, around 38k in debt, paying Peter to pay Paul,
Live single but have sponsor a Ukraine. I became single last Feb but he didnt pay his way most of the time so I ended up using cards then consolidating with two loans and spending again.
I have 2 dogs and 2 cats. 
I rent my home lucky social housing.
I work partime 3 days week and get some disability and Universal credit, 
I have reached out to Step change and really dont want a DRO been viewing here about the default system. Will post a Income and expenditure shortly

SpireCaptain

Welcome back. We're all here to help and support you again. 

fatbelly

Robbing Peter to pay Paul is when you know you need a different strategy.

And as you have found out, debt consolidation doesn't work.

Have Stepchange recommended a DRO? What concerns you about it?

fay66

yes i need to tweek my budget i think for that but will do.

fay66

SpireCaptain said:

Welcome back. We're all here to help and support you again. 

thanks so much been a while

fay66

well ive filled in a lot of dro form for stepchange feeling better im no longer a ukraine host therefore will be able to send bank statements reflecting reduction of income. im on a breathing space until March with most creditors . 1 has failed to acknowledge which is a credit union