saint Vincent de paul

ohbygod

Hi all

I've found myself in a bit of a situation where bill's have creeped up on me my car needs to be fixed I'm living on my wages week to week I have no savings. Every week there's something I never taught my life would end up like this. I'm always worrying. I can't get any more loans I've no one to turn too has anyone one been in this situation?

meeeeh

You are far from alone in that but I think you also need to contact mabs. I have no idea about your actual situation but you need to talk to someone who will tell you if you should go for personal insolvency.

ohbygod

meeeeh wrote: »

You are far from alone in that but I think you also need to contact mabs. I have no idea about your actual situation but you need to talk to someone who will tell you if you should go for personal insolvency.

I'm not totally in debt my rent and loans are being paid just a few other bills have creeped up

Minera

Hi op, I know how you feel I lived like that up until last year. The way I managed it was get a place with cheaper rent and spoke to my banks and reduced the loan pay back monthly by extending the pay back period. Contact your providers I. E gas and chat about fixed payments etc
Stop the nights out or become the designated driver. Stop unnecessary buying e.g. Do I really need to go to pennys on my lunch break or that cafe coffee essential etc. If your car cannot wait to be fixed get a top up loan. I know it's more debt but make it mangeable chat with your bank see what they can do.
It's not ideal but it can be done I worked like that for several years and managed to pay for my wedding without loans and I'm heading off to London next wk for a break because I feel like it. Be prepared to be sitting in alot but it's worth it to pull yourself out of this hole. Good luck op

Minera

Hi op, I know how you feel I lived like that up until last year. The way I managed it was get a place with cheaper rent and spoke to my banks and reduced the loan pay back monthly by extending the pay back period. Contact your providers I. E gas and chat about fixed payments etc
Stop the nights out or become the designated driver. Stop unnecessary buying e.g. Do I really need to go to pennys on my lunch break or that cafe coffee essential etc. If your car cannot wait to be fixed get a top up loan. I know it's more debt but make it mangeable chat with your bank see what they can do.
It's not ideal but it can be done I worked like that for several years and managed to pay for my wedding without loans and I'm heading off to London next wk for a break because I feel like it. Be prepared to be sitting in alot but it's worth it to pull yourself out of this hole. Good luck op

ohbygod

Minera wrote: »

Hi op, I know how you feel I lived like that up until last year. The way I managed it was get a place with cheaper rent and spoke to my banks and reduced the loan pay back monthly by extending the pay back period. Contact your providers I. E gas and chat about fixed payments etc
Stop the nights out or become the designated driver. Stop unnecessary buying e.g. Do I really need to go to pennys on my lunch break or that cafe coffee essential etc. If your car cannot wait to be fixed get a top up loan. I know it's more debt but make it mangeable chat with your bank see what they can do.
It's not ideal but it can be done I worked like that for several years and managed to pay for my wedding without loans and I'm heading off to London next wk for a break because I feel like it. Be prepared to be sitting in alot but it's worth it to pull yourself out of this hole. Good luck op

Thanks for your advice I was living the good life up until 2 years ago then everything just crashed

Minera

Sure I know it's a sad fact of being grown up.! Sit down and make a list of what you spend on a weekly basis and be brutal about it see where you can make cuts. Once you have a plan you won't worry as much, thats how it worked for me. I had many a sleepless night about money and bills and always save something even 5e a month it's something you will be able to save more as things improve.