First of all I posted on money matters but notice dots a bit quiet over there so just posting here too.
I am a single mum to two and I currently live at my parents.
I have no savings and debts of around £15000 (I feel sick writing that).
I work part time, I have a UC top up. I cannot work any more hours then I do.
I have been on the waiting list for social housing for years and I've finally been offered somewhere. We are really struggling for space and independence at my parents. Despite loving them dearly I need my own place.
I went onto a debt management plan when I was 20. I paid it off on full and carried on with my life. I got married and had children and had some debts but everything was in control. My ex left me during pregnancy and that's when things went wrong. I spent money as a way of coping but he also left me with nothing and I had all of my baby bits etc to buy. Things just went down hill.
I don't know what to do. I don't want to turn down this opportunity of social housing but I have no idea how I will pay it and flat bills with my debts. I am worried about another debt management plan as o know it will destroy my credit rating for potentially 6 years as it did in the past. Whilst I don't want credit I know that credit rating is important and phone network and broadband companies do credit checks.
I just don't know what to do or turn.
I am planning on contacting step change but I am just wondering if anyone has any experience or advice?
Please don't come for me. It's a big step me acknowledging this and asking for help.