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)

2

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You can have a lovely conversation with another mum, exchange numbers and genuinely think, “I’d love to be friends with her”… then somehow life gets busy and you never actually see each other again

Sometimes I think we all want mum friends, but we’re all tired, busy and waiting for someone else to make the first move.

So I’m curious… what do you find hardest about making mum friends?
Is it approaching someone? Keeping the friendship going? Finding mums with similar interests/ages of kids? Or just finding the time to actually meet? 👀

Let’s have a real mum-to-mum chat 💕 And if you’re also looking for genuine friendships, don’t be shy — say hi, you never know who might be looking for a mum friend too 🫶🏽

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Is it just me 🤣

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