Thanks Emma[:)]

Thanks for all the advice. I am aware that we are not on the basic Sky package but as we have put nothing aside per month for entertainment then I thought this would be OK. Anyway as I was so unsure about the figures I was being presented with I have decided to go the DMP route for now. Better to be...

We have been getting advice from a debt agency. Having spoken to 2 other companies they seemed the most honest. Someone from a marketing company came round on Monday and went through our expences. 2 adults, 2 children. 2135 net pm income, 30K debt and around £170 pm spare after expences. Having sinc...