Thanks for your reply. I have worked out that all or bills equate to £1372. I have then allowed £250 for child minding, £60 for petrol and £300 for shopping and living expenses which is tight, hence the vicous circle we are in. This leaves over £182. Can you please tell us also what happens if you s...

Thanks for your reply. I have worked out that all or bills equate to £1372. I have then allowed £250 for child minding, £60 for petrol and £300 for shopping and living expenses which is tight, hence the vicous circle we are in. This leaves over £182. Can you please tell us also what happens if you s...

Hi, I needed to get a few things straight with regards to mine and my husbands situation and wondered if you could help. We jointly own 50% of our property and the other 50% belongs to the housing association so there is no equity in the property. Our debts are as follows.... £1600 joint overdraft. ...