barbervi
your post really struck a chord with me.
Like yourself I earn around £2100 a month. A decent salery. My wife earns around £1500. Our total debts were £65,000, all mostly credit cards. It seemned an almost impossible level of debt, and would get to the end of each month with nothing.
Our first step was to admit we had a problem, something my wife found difficult.
After about a year of wondering were to go next, we sold our house, and I recently sold my car. We now both live only 10-15 mins from work and often cycle, so were getting fit too.
We eventually approached Payplan and took out individual IVA's and are now both much better of financialy, so actually have a reasonable disposable income! I pay £530, my wife £320. We know the dept will be paid of in the next five years, we have new accounts no one can chase us for money, and there's no more relying on credit.
MNBA one of my creditors tried very hard to persuade me from an IVA. You should make up your own mind about this situation. I'm confidant I've made the right decision.
