oops sorry i must have hit post
ok continueing on from my pp

I called my credit card company and aplied for financial hardship, they put a stop on all fees for 3 mths etc, i also wrote emails to people we owed money to saying that we realise we owe them money, and once we were financial we would pay them.

We put in order of less expesive to most expesive debt, and when we could we would pay 15 a fornigt on the bill, at times it was super hard, our mobiles were cancelled and we felt like we had no connection with the out side world, we got a pre paid, so family could call us, we also just last week got pre paid internet, my hubby has been at his new job 4 weeks, and although we still have a long way to go i think we have already come so far.

did u know the government offers a once only payment through the electicity company where they will pay ur bill if u are having finance issues?

I found food outlets such as the golden circle factory outlet a fantastic way of helping fill my once empty pantry, and there are comunity groups that hand out food parcels when ur in need!

Its not something u can fix over night, it takes time, i sometimes think i could have handled things better in regards to letting people know what was going on, and my marriage was so close to being ripped apart all because of money, but the struggle does get better.

Please feel free to pm and ask questions, i only gave a small sample of what we went through, there was heaps more, and although we still have debt i dont feel as lost as i used to.

hth