Milly(posted 7252 days ago)If you are going to give them details of expenditure/outgoings I would strongly advise you go to your nearest Citizens Advice Office. A mistake many people make is to underestimate your outgoings which results in people overcommitting themself financially.
It's important to account for :
Home insurance (even if you don;t actually have it) Travel expenses to work and if you have kids include their bus fares and allowances for things like lunches. Also allow for things like the children's after school clubs etc. This might seem trivial but they do all add up.
Your nearest CAB will probably have a drop in service...go first thing before they open so you are first in the queue...usually it is impossible to phone them as they are too busy/understaffed to answer the phones. They will help/support you wherever possible. And remember it is all FREE. They provide debt management services FREE that many companies charge a fortune for.
Good luck
Moira