yes its 12000 not 1200.noone can help us dont know what to docut up the credit card , and it will be paid off in 4 months....(unless the €1200 figure is wrong)
MABS Helpline 1890 283 438 ( 9 a.m - 8 p.m. Monday to Friday)
The MABS Helpline is staffed by Helpline Advisers who can assist you deal with your debt problems by:
Listening to you in a caring and non-judgemental way
Helping you assess the extent and true nature of your debts
Helping you explore your options
Providing you with the information you need to deal with your debts
Providing relevant self-help materials
Giving you ongoing support over the phone, as you tackle your debt problems.
The service is non-judgemental, confidential and independent.
The only cost to you is a 1890 call. Once you make the first call, the adviser can call you back if necessary.
Advisers are available 9 a.m - 8 p.m. Monday to Friday.
Outside these times, you can leave a message and an adviser will get back to you as soon as possible.
You can also contact the Helpline by e-mail: Helpline
Husbands income is €2500 a month home.im a sahm
we cant manage.im getting letter after letter and phone call from cc companies.im suicidal.Bank wont refinance us or extend the term of loan to make easier repayments.we have no money left to buy food and im waiting on payday tomarrow
Not at all.i thought about mabs but wouldnt that mean well get a bad credit history forever?
noone can help us dont know what to do
thank you for the replies.2500 is net pay a month.wehave been into our bank and they said they will not consolidate our loans & mortgage as we our on an ltv mortgage whichmeans we can only havean 80%mortgage.they also wont top up our loan with them to clear cc debt
yes thats right thats the amount leftover to buy groceries pay eircom,esb,car tax, insurance,tv licence,home & life insurance.havent even bought kids new clothes in 4 months
iv already caceled sky.i just drive a 5year old fordso wouldnt getmuch for it and hubbie has to take it to work.ialready shop in tesco & buy value brand.any other suggestions?How about beaking out the spending per month to see where it goes, you may spot something that you might be able to cancel or cut back on. I know thats though but I think it might be managable with 1120 per month.
groceries:
eircom:
esb:
car tax:
insruance:
tv licence:
home and life insurance:
Any possiblity in downsizing car to a smaller one to get some extra cash and save on car tax and inurance? Any chance of shopping somewhere cheaper if you dont already shop in the likes of aldi or somewhere?
You may have to make sacrifices to get out of the debt or else try to get extra income.
120 on groceries including nappies & fomula.20 petrol about 60/80 on esb and phone.20 on coal.i just pay bit off weekly.dont know where rest goes usually late fees on my cc .no luxuries in this house at all
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