hi again In reference to my disposable income, i would probably have approx £250 after paying my car lease, not including my repayments of cards / loans etc (but including a small amount for starting to pay my way at home). At present, i pay nothing towards bills, food etc as i just dont have enough...

Hi, I am a new member but have been reading your posts for the last few weeks. It has been such a big help! I have finally accepted that i am in a real mess financially and do not know where to begin (I appologise in advance as this will probably be quite lengthy!!) Basically, i am ashamed to say i ...