Argh...just typed a massive post and lost it!! :(
The basics:
After a house move last year and lots and lots of unexpected repairs (new boiler, roof repairs etc) dh and I have just over £6k in cc debt. We used all our meagre savings too.
We have sat down and had a good look at the situation and we are both stumped as to what we can do.
We have moved the balance onto a 0% cc til dec next year' we pay £100 per month off it ATM.
We both use our agreed overdrafts each month which isn't good obv.
We didn't drink, smoke or go out.
We have just sold some stuff n e bay and got £100 and we more stuff to list this weekend which should hopefully get more but that's a shirt term fix obv.
We have claimed for some Ppi we think we were mis sold a few years ago but not sure whether we will get anything back...
We have ds2s b day coming up, my 40th (just wont do anything for that though) and of course Xmas.
Dh is due a refund from HMRC so that should take care of Xmas but this month I have had to buy new uniform, new shoes etc and it's been holidays so there have been days out etc.
We have no savings, have even stopped paying into the dc ctf until next year!
Our insurances are the cheapest we can find. Ditto utilities.
Ds1 is having therapy that costs about £50 per monh too but can't stop that.
I buy some of their clothes from e bay, rest from tesco/asda.
Is there something really obvious we are missing that we can do?
How can we pay back the cc and get some savings?
Any advice welcome
Tia x