Can't get out of debt !
I'm looking for a bit of advice really, I'm in so much debt and can't get myself out of it, I just about manage to make the payments each month, but there's more money going out than I've got coming in, so I can't get myself straight. Every year or so I have to get another loan to pay off my credit cards and overdraft, so all the money I've paid back on the loans has been for nothing, because the total amount of debt remains the same. I've got 3 kids under 6 so I can't work full time because I'd have to pay a nursery more than I can earn. I used to work before the kids came along but my jobs were shop work and the money isn't great and nurseries around my area charge 6.00 p/h for each child, so that would be £12 an hour for two of my kids then after school fees (£10 per day) for my daughter who's in yr 1 at school. My wages would only be about £6.50 - £7.00 per hour. My husband has a good job and pays for the mortgage and bills and because he can afford those we aren't entitled to anything. I checked the tax credit website. But we only have about £100 a month left over to live on after the bills, debt, mortgage and food.
Any advice would be really helpful right now. : ( Thanks
So how can I get myself straight?