Soa

Bunnyinthelights

and apologies for my typing...

Jacks_xxx

Jaystag wrote: »

I don't want to look at what comes into the household as such. I want to look at what I am responsible for in the household. My partner's earnings / benefits etc. shouldn't be taken into consideration if you know what I mean.

They are debts that I have accumulated on my own, therefore I want to get myself out of the mess.

I understand that completely honey, (:wave: Hiya, by the way )

But - and this is a biggish but - these things are SO much easier to deal with as a team. (if you can.)

What do you know about you partners financial circumstances? She might be desperate for some help & support with her debts.

If she's about to have your baby she might feel better knowing that from now on the two of you are going to be looking at the household finances as a whole - and it might make more financial sense to tackle this together.

(Or it might not! Sometimes one partners financial history needs to be kept strictly separate from the others so as not to damage their credit score - but it's best to know which camp you fall into.)

I would suggest that you speak to CCCS to get an idea of your options, both individually and together. They give free impartial advice, and although we manage our debts ourselves I found speaking to them was really useful.

Something else to think about....

From a family unit financial point of view it might be better to pay off the highest interest debts first no matter *whose* debt it is, or it might be a better idea to get rid of your partners if she's not going to be working for a while to take the pressure off. (Stress is bad for preggy ladies and babies.)

Check out the Snowball, if you haven't already:

http://www.whatsthecost.com/snowball.aspx

I sympathise honey, merging separate finances is one of the harder aspects of making a family.

Big hugs sweetie,

Love Jacks xxx