In debt and feeling overwhelmed

[Vintagewannabe]

I don't have a mortgage I don't have credit cards, I dont have loans, I don't have catalogues, store cards, mobile phone contracts or anything in HP but I'm in debt.

Most people think I should be ok as these are the common things people owe money on. But the thing is I'm in debt with bills. I owe money in most bills and I feel in a muddle with everything. My oh would go mad if he knew and I can't handle that right now. Thing is I'm out of work and oh has just been reduced to part time so he's looking for more work. I feel like I can't breathe with stuff and I don't know what to do, I know I should talk to oh but I don't want him to have this extra stress as I can't handle the extra stress it would bring :(

Step Change is a charity and can help you manage your money and sort out your bills. They do not charge for this service.

You can also visit your local Citizens Advice as they can offer the same debt/money management service.

You need to start somewhere OP otherwise it will get worse.

If you have a serious problem with money and can't keep up with your bills then make an appointment with CAB or one of the other free debt advice charities. But then you must tell your partner. It is always better to frame bad news with 'I'm doing something about it' than to present it in isolation with no solution in sight. The very worst thing you can do is add deception & secrecy to the problem by saying nothing at all.

Good luck