HollowTalk Thu 14-Mar-19 22:29:11

My friend's husband works for a charity (I think it's a Christian charity but can't remember the name - can find out if you like) and he goes through people's accounts, usually because they are worried about going bankrupt or have loans they can't afford to repay. That might be useful for you.



Trouble is with Moneysaving Expert is that some of those who post are like those on AIBU here who think that a chicken will feed a family for a week.



Why not post things here? It's anonymous and this is a great section, with people who can help and won't criticise.



List everything - money coming in and where it comes from (tax credits, salary etc) and money going out regularly - so mortgage/rent, council tax, gas, electricity, water, credit card bills - say how much you owe and how much you pay per month, nursery fees etc.



It's hard confronting it but you'll feel so much better.