Posted about this before. Debt.

[Nerfmother]

Any encouragement would be welcome. Done step change website and spoken to them, but dh really won't do any formal plan. I think we could pay it all off (54k ) in five years. That's based on current payments, prioritising debts etc and us both keeping our jobs. So, do able but horrible.

Have you seen any of the free debt advisory services such as CAB, CCCs, National Debtline etc? It's all very well DH saying he won't do a formal plan but that decision could be costing you a lot of money, not to mention stress, over the next five years.

I know. I spoke to step change today. I will try to get dh to call them on his day off. It is stressful!

Why is he so reluctant? Is it some misguided pride thing that he wants to clear up his own mess? Does he not think you're in as big a hole as you really are? Is he ignorant of financial matters and frightened that talking to an expert will make him look thick?....

He knows , it's a pride thing. I think he is very depressed about it all and wants to do it himself. I think we can, it's just going to be very hard and disciplined.

You will have a much easier time if you do a formal plan.

What does he think he can do to manage the situation better ? Afterall presumably you have both got into this problem and maybe some objectivity is required. If he is depressed then he might feel better if someone else took control.

Well, to our shame, we only received the mess about two years ago, when I actually sat down with all the paperwork. Since then I have drawn up a budget spreadsheet thing and have trimmed stuff, changed stuff, etc.
I don't know , I spoke to him earlier and he said hmm maybe about speaking to step change. I think he feels old, tired and ashamed