Oh hun I'm constantly juggling finances to make ends meet and when we miss mortgage repayments I live in fear of those phone calls... I feel a smidgen of your pain...

What about My Budget? Can they help?

What about a debt consolidation loan?

Just wondering if there are any other options before bankruptcy. It is a pretty final thing... but if that is the road you have to walk, then we will all be here to support you.

You are not a failure. Is your daughter happy? Fed? Clean nappies? I'm sure the answers to those are yes. Then you are not a failure. You might be struggling to handle money, but that is so common it isn't anything to feel like a failure about.



I'd recommend making some calls before submitting the bankruptcy claim.