Debt

[117a]

I am so scared. My partner left me during maternity leave. I had PND and went back to work after a year, this was in September. I took a year as I wasn’t coping with the break up and didn’t feel able to work. Obviously it cost money to stay off work and I spent everything except 2k, but have 11k on credit cards. I’m keeping the 2k to use to pay off the minimum each month and avoid interest. But it won’t last long. I don’t earn enough to save more than 100 a month. I feel sick. I can’t sleep and just feel like life is so horrendous. Car light has come on too and god knows what that will cost. I was always so careful but I honestly wasn’t coping. I don’t know what to do.

Ok firstly check you’re getting everything you’re entitled to - so many don’t. Use the benefits checker on the turn to us website. Google it.

Write down a budget. Account for everything. If you can’t afford the minimum repayments contact a debt help charity like step change.

Don’t punish yourself by being horrible to yourself about this. It doesn’t make you an awful person. It’s just money at the end of the day. ❤️

Ring CAP (Christians Against Poverty). You don't have to be of any faith, nor will they require you to do anything related to Christianity, they simply believe that as Christians part of faith in action is to help those in debt. We give to them every month and some of our friends work for them.

They can speak with your creditors on your behalf, arrange payment plans, help with budgeting, everything. You don't have to deal with it all on your own. Ring them now and then look forward to Christmas without this hanging over you 🙂