got myself in a mess don't know what to do ahhhh!

[notnuftime]

don't really like to talk about this but I am in a mess as in worrying and fretting all night.
I have 4 catalogues and i owe a lot on all of them and I am only just managing to make the minimum payment they are asking for. But this month one of them wants £160 how the blooming heck do I get that amount together!!
I keep forgetting that when you order you should really wait till they have been credited before ordering larger or smaller size
So now what do I do I am behind with the water payments because i used the money to pay the clothes catalogue.I order from them because there is no other way I can buy clothes for me and the kids (I am a single mum) I can't work as I have Fibromyalgia so what do I do?do I stuggle on as I am making myself more and more ill worrying about it.........i feel so down and bad about it sorry to trouble you all..

ring them and explain? may get a reduced payment...dont wait until you are late paying iyswim.

also maybe an appt at the CAB?

call teh catalogues and inform them that you need to make a smaller repayment.
if it is just a timing error and youhave actually sent goods back and are simply waiting for themt o be credited you dont actually owe the £160 at all.

the catalogue will surely sort something for you. once they have throw the cat in the bin.

Call them, explain - they don't want the hassle of pursuing you and writing expensive letters. They should be ok. Honest.