How did I get in this mess? Advice needed

cameront

thanks for replying merlot, yes in some ways i am luckier than others on here as i can do quite a lot of trimming, but 40 grand un secured still hurts. Like the quote about champagne lifestyle very true, not making excuses but banks make it so easy to do it.

Keeping_Positive

Some links that might help

http://www.entitledto.co.uk/
http://www.spendingdiary.com/
http://www.whatsthecost.com/snowball.aspx

Good luck

cameront

Hi all
Went to the Halifax yesterday to say we are in a bit of trouble and needed a month or so to get on our feet. They said they couldn't help us because we've never missed a payment and all they could offer me was another loan so i said ok i would take a loan to clear the c/c then cut it up. They declined me. Why? I was clearing one of their debts of straight away, wonder if its the 17% interest on the c/c that i'm paying:mad: . On the up side, sky is gone to minimum with their free broadband and phone, only 1 line a week on lottery and a £50 month clothes budget for us.