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In debt, no job

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bigfatmamma · 18/01/2020 07:39

So as it says, in debt.

Got about 24k in total on credit cards over the years between me and hubby.

Bank account now 1200 overdrawn.

Hubby brings home 1800 a month, outgoings are 1900 a month and I've just lost someone I cared for full-time and need to search in real world for a job again after 10 years of being at home.

I'm sad, I'm depressed, I don't think I can claim any benefits as I was self-employed and hubby 'earns too much'.

If I don't do something soon then never going to make ends meet never mind trying to clear the debt.

I don't want to default or declare bankruptcy as then I'll be screwed for years and years and can't 'afford' (excuse the pun) to do that.

I just don't know what to do... I'm not sleeping properly at night either.

Advice, words from you lovely people, anything. Help please.

Love
A sad, depressed mamma

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YetAnotherBeckyMumsnet · 18/01/2020 13:23

Hello everyone
We've had a number of reports from people concerned about this thread so, as we usually do in these circs, we're putting our heads round the door with some important reminders.

Right now we can't see any evidence to indicate that the OP isn't above board – if we did, we'd remove the thread straight away. But the truth is that, sadly, we at MNHQ can't know with 100% certainty that any poster is genuine, no matter who they are or how long they have been here. As frustrating as it is, we're not able to vouch for anyone here.

So we always ask users to remember that not everyone on the internet is who they say they are – and remind folk not to give more to another poster, either financially (in cash or gifts) or emotionally (in time or care and support) than they'd be prepared to lose if things went wrong. We strongly advise against parting with any cash or giving away your personal details, and if you receive a PM which makes you uneasy - report it to us and we’ll take a look.

Sorry to hijack your thread briefly there, OP – we really hope you get it all sorted soon. In the meantime, you might find some useful information on our guide for dealing with financial difficulty

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