another newbie admitting they need help

gotnomoney1

Hi everyone.....how scary is this:eek:

I have been reading this forum for months now as I knew I was in trouble but have never really put anything into action. I am using today's date the 06/06/08 as my LB moment as this morning I realised I didn't actually have any money left to buy the food shopping for the next few days!!

I am just lurching from one pay day to the next trying to meet all the bills & debts & hoping that the money stretches that far...mostly it doesn't.
I have got 2 credit cards, 3 loans, catalogue & an overdraft & I really do not know where to start. I am guessing that the actual amount is about £30,000 & that is so scary to admit.
I have a 16 yr old son at home & my partner is not fully aware of my situation although I have admitted I am trying to clear a credit card.

Any advice greatly received!!!

Starlett

Hi,

Congratulations on your LBM!!

Could you put up your SOA, it's the easiest way to see what's what and get the advice rolling in...

Also, the OH... scary as it is, you really should confess all - although personally, I'd sort out what's what, put a plan of action together and then sit down with a positive approach to it!

Starlett

10past6

Hi & welcome to the forum

Well done for thaking the first, and biggest step in n attempt to sort out your difficulties, you've come to the right place.

Firstly, can you post your SOA (statement of affairs) this will enable members to see if any savings can be made, click here to complete your SOA.

Next, contact one of the debt free charities for professional free advice, click here for the list.

I'm not going to suggest how you deal with your OH, you must handle it the best way you feel comfortable.

poorandindenial

Oops - duplicate thread, here is a link tot he other so that people can see what has been posted there - have done same to that thread too

http://forums.moneysavingexpert.com/showthread.html?p=11511157#post11511157