It can be difficult, but please try to use a meaningful title in your thread For example "27 year old with mortgage arrears". You will get a much better and much more coherent answer if you give as much information as possible in your first post. For example, if you give your mortgage rate, it will make it unnecessary for others to ask you if you are getting the best rate. It would also be helpful to edit your first post later by adding extra information which you consider relevant. Have a look at this post for a good example of how to do it. J29 has provided a very useful spreadsheet which you might like to use to review your finances. But - this forum is widely read. If you provide very specific information, your friends might identify you. Age: Spouse’s/Partner's age: Annual gross income from employment or profession: Annual gross income of spouse: Monthly take-home pay Type of employment: e.g. Civil Servant, self-employed In general are you: (a) spending more than you earn, or (b) saving? Rough estimate of value of home Amount outstanding on your mortgage: What interest rate are you paying? Other borrowings – car loans/personal loans etc Do you pay off your full credit card balance each month? If not, what is the balance on your credit card? Savings and investments: Do you have a pension scheme? Do you own any investment or other property? Ages of children: Life insurance: What specific question do you have or what issues are of concern to you?