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Advice on debt plz help

Iv accumulated upto about 3k debt from payday loans and credit cards and I seriously don’t know what to do as my bank balance right now is literally zero and I’m on universal credit but not been paid yet as Iv just signed up .

Don’t know what to do honestly having suicidal thoughts
SW-User
[u][b]OK, STOP, never have these thoughts about money![/b][/u]

that's just silly, as long as you're alive you have the ability to work and pay this off.,.

just go to someone (In Ireland we have a place called MABS - Money and Budgeting Service) I'm sure there's something similar where you live and they will advise you, help you and even talk to the creditors on your behalf and work out payments that will suit you. I'm pretty sure if this kind of service is available in Ireland then it's probably in most places..

I hope all works out for you..!
raysam363 · 31-35, F
3k seems like a lot, you're just overwhelmed. Take it one step at a time. Are you employed? If you're making under a certain amount talk to them and determine what their hardship program is. If you're making enough, cut down on unnecessary expenses.
raysam363 · 31-35, F
@Killerilluminati Not for 3k. Take it little by little, pay what you can even if it's just the minimum for a short while. Hell, my ex left me in 17k of debt and I'm still around.
Killerilluminati · 26-30, M
@raysam363 not to be nosy but are you still paying for it
raysam363 · 31-35, F
@Killerilluminati Life has left things difficult for me, at worst go on hardship. If you have to miss a payment, realize it's not the end of the world.
GerOttman · 61-69, M
Pack a lunch, don't buy cigs or beer, skip the lotto tiks too. look for a second job or try to pick up an extra shift. holiday season, lots of package companies hire extra help. make a plan, make a budget, stick to it! keep a log of everything you spend every day.
NiftyWhite · 46-50, F
are you working? why the debt?
Killerilluminati · 26-30, M
No I’m not working and foolish me my own fault got addicted to gambling @NiftyWhite
NiftyWhite · 46-50, F
@Killerilluminati you need to seek some counselling and get an accountant or advisor

 
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