Same here Melanie! Unfortunately I had to sell my car in August. Now we only have one car that I occasionally drive.

Can anybody suggest some low-budget gift items? I need to buy gifts for my kids and some close friends.

Others will receive emails and Facebook message for sure; I cannot afford the stamps as well!

Hi lesley,

Yes, things are not at all ok. Having bad dreams in night. I have to sell my house now and move to my mom's place. That's the only solution.

I need to put a stop to all my debt problems before Christmas - that's my deadline to me!

Thanks for your reply. I am not employed, lost job recently. Total debt on 2 cards is 12k approx.

How do I email you? It says the email system has been discontinued due to spamming.

Same here; tried to quit many times but all in vain. Last week, I did not have money at all; and then I did not smoke - no option. Since then I am not smoking. My unemployment and money-less conditions are about to throw me out of my home - the only good thing is it helped me to quit. Some good in a...

What are the criteria to qualify for IVA? Is there any minimum debt amount for this? I have 2 credit cards and mortgage to pay off.

Hello MelanieGiles,

Thanks for your input; can you please tell me more about the product you mentioned?

Thanks.

Thanks for your reply. Yes, I have credit card debt; things were good so far. I was laid off few from my job few months back. Then I joined another employer for a lower pay-package. I have already missed credit card payment; I am still paying my mortgage on time but I may not in future. So what are ...

I never handled my finances properly; my husband used to take care of all such things. But we separated last year; just not living together any more. The home where I stay is jointly owned; I have been paying the mortgage since we separated, but now I am in a hardship. Can anybody explain me what is...