I moved to the UK in March to be with my other half who is English. However, in doing so I left behind me: Credit Card Debt - 1000euro Overdraft- 1000euro AIB Loan - 3265euro Chill Money - Approx 8000euro The two loans I have been paying steadily for a number of years and relate to college debts(AIB) and a car loan (Chill). I sold my car in Ireland at a loss which paid off a portion of the Chill debt but I am struggling badly to keep up with it all. It seems that all my money here goes to my Irish Account every month. And I rarely if ever have any disposable income here. It is also so difficult to time transferring GBP over to my IRL account monthly to cover the payments as they seem to go out at varying dates each month and I only get paid here on the last working day of each month. I am drowning in it, nearly half my wages per month get transferred over there and I'm now in arrears. I can barely cover rent and fuel here for the month once that goes out. In total I pay monthly to my Irish account: 568EURO to Chill.ie 84.36EURO to AIB Loan 80-100EURO per month to my AIB Account to cover my Vodafone bill as Vodafone will not release me from my contract or change billing to my UK account. That alone is around 750.00 per month to my Irish account. I just don't know what to do anymore and it's really affecting my health. I am constantly worried and crying. Most recently I have been having panic attacks as a result of the anxiety. Which results in further expenses with doctors visits and medication. I have enormous guilt over the pressure my Fiance is under when he has to cover our utilities alone at times, and even our rent. Does anyone out there have any advice, guidance or solutions? I just want to be ok again.