Hello 🙂 Thankyou everyone for the kind advice.. I am going to implement the 'envelope' method too., Jessie 🙂 Leave the money for direct debits, that's it, and pay for everything cash.. I can't wait for the 10th, won't be able to relax then.. I think it works out at I am offering 24p in the pound for...

Yes I have changed my bank account, currently with Lloyds and have one at Nationwide now..
I have a Halifax account that the child maintenance gets paid into, will this be safe?
I just want iva payment to be in place and feel scared of one less thing

Hello everyone.. it's my first post, so please be gentle 😅 I have finally seen the light and decided to do something about my situation. My debts were,for the vast majority, built up whilst in a very controlling and abusive relationship (although we are now safe,have been a single parent for last 5 ...