Serious Advice - Debt related

Hi all,

I haven’t really got anyone to discuss with so I wanted some advice.

I’m going to be starting a debt management plan with Stepchange as since having the baby I’ve been unable to earn enough money to make a difference in my credit cards - I’m essentially paying nothing with the interest being added etc.

Anyway, with the proposed solution, after paying ALL my necessities, and the debt plan back I’ll be left with £170 disposable.

Does that sound reasonable? Or should I lower my debt plan, to have more money to put away now, and then increase the amount in a couple years? My car finance is due to end in 3 years, so I’ll be able to basically move that money over to the debt solution and clear it quicker.

What do people think the best solution would be to do?

Increase my disposable ££ and lower my debt solution, or £170 be okay? (It may be more if I don’t spend as much as anticipated during the month)

in our community

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I am a first time mom, I don’t really have a lot of friends, especially friends who are pregnant or already have kids so it’s really hard to connect with people. I would love to get to know people and have someone to be able to talk with and connect with! I can’t see waves 😭

Am I justified???

I have a friend of 12 years we met through work. We are both pregnant (2 weeks apart) . We have been supporting each other through the pregnancy. It has been great because she has kids and has done this pregnancy thing twice already and just nice to have someone who gets it. We live an hour distance from each other so we made a commitment to meet every couple of months.
We met last time in January end of 1st trimester celebration and we went to their place.
For our March meet up we agreed somewhere mutual to do some baby shopping and see each other on a Saturday.
I asked her about meet time several times and she kept on saying she needed to check with her partner
Last time I asked was Friday before our meet the next day at 8pm and she was still checking.
Saturday (day of the meet) morning I heard nothing but didn't want to come off nagging. Bear in mind I can see her posting stuff on socials. Nothing all of Saturday nothing Sunday nothing Monday then Tuesday 9pm I get a 2 sentence apology "sorry I forgot and sorry it took me till Tuesday to realise'

I have ignored the message because I am pretty angry. I just feel disrespected and that mine and my husband's time is not valued of theirs. She didn't even bother to give a good excuse ? Am I justified to be angry ?
I do hold a grudge so I can overreact

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