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Could you create a community with other single moms and take it in turns to look after each other's kids for free and take up extra shifts then? Avoid IVA if you can as makes getting a mortgage or car loan very difficult. Even if you're not in a position to do those things now imagine how you would feel in a few years if you could afford more but an IVA was stopping you! Also any chance of finding time to do a course or something online that could help you get a higher rate of pay? Might take a bit of time but every little helps. I hope you find some respite sounds stressful but you got this. 💕
I don't recommend an IVA, talk to StepChange, there's tons of affordability support, especially for a single parent. An IVA will destroy your credit rating for years and could put you in more debt longer term.
Have u considered an IVA at all to help u. Maybe speak to CAP as well they are a great charity, x
No real advice here but I 100% feel you. In a massive amount of debt and came back from maternity almost immediately. I'm forever taking cash out on one credit card to pay another off. Being able to afford to just live is exhausting.
Call National Debtline. It’s free impartial debt advice, they’re a charity.