name says it all

[fedupbeingpoor]

just sooo sick of chasing bills, never having any money. had started to sort debts, then blody xmas comes along. we earn really good money, but mrtge is 220,000. and house now not worth anywhere near that. i just seem to be geting deeper and deeeper

fedupbeingpoor - christmas is not all about spending money. it's about peace - not stress. it's only one day, so try not to increase your debt that will take months to pay off. i think most people will understand if they don't get. problem is if you've got kids who expect all the latest mod-cons and have got all on their lists on previous years. this year you'll have to be more inventive with excuses!
if you are really struggling get in contact with Citizens Advice Bureau - dont wait as it will only get worse. x