some advice please , feeling sad

bobbie78

IF you are living at your mums and not in the house can't you rent out your room to cover your share of the mortgage each month?

movingforward2010

Well after reading all the positive advice through out all the forums ive come up with a sort of plan

1. if welcome remove the charge -house sells £5000 going to pay off welcome to take balance down to £12000

move in at mums permanently

I worked out that i ll have £135 a month to spread between

* welcome
*hsbc
and 3 CC's

Im not sure if i could go in to a DMP with £135 to share around??
Im going to ask for overtime a work, try change my car to a diesel, which should reduce my road tax and fuel costs.

I have a friend who says he might have some book keeping for for me to do- £20 a week

Ok it might take me about a million years to pay off my debt, but i might get a promotion, find a better paid job closer to home which would drastically reduce traveling costs. This challenge is making me feel a bit more positive, im determind not to go down the bankrupt route - because i know i can sort this some how !!!!

just hope my creditors play ball