Arna is such a wise girl. I was wanting to say much the same though I could not have written it so well. I really hope that you can sort this out. Financial problems really effected the quality of my life when my kids were little and I didn't realise how much. Now I have so much less but being debt free is so much better. It is really hard to get a loan when you are on centrelink I know that much. I don't even try though. Good luck!

did you call Fox Symms? they might be able to help sweety.

i know how you feel  cause we are the same with our car loan ( yes we bought a magna when Charlie was born and a few months later the engine went on it) we have a year left to pay it off but its still $106 a fortnight we could use rather than pay them.

Hugs babe and will have to catch up soon.

Luv Liz

I'm feeling for you hun.  We are paying of some debts too, and neither me or Les work, so not easy.  One way we are coping is by over estimating our income to Centrelink.  Not a help now, but at the end of the financial year, we get a nice lumpsum payment, and that gives us a head start for the next 12months.

We have also gone for the better internet plan, that is Unlimited Broadband, and while it is more expensive per month, it costs us less in the long run because we don't have to pay for extra downloads.  Our landline is local calls only and we have a mobile each on a $20/month plan which gives us each 1 hour free talk time everyday (designated hour) and also some extra freebies etc.I know, not helping, but it does.  By trying to reduce your everyday expenses and monthly household expenses, you are able to find extra money for the other things.

Maybe you could sell one car, drive your hubby to work and then use it during the day, meaning you would have to pick him up again.  Or why not make him take public transport!

Most companies are happy with what is called a faith payment.  This could be as little as $5 a week.  Centrelink can also arrange for Centrepay, which means the money is paid to whoever before going into your account.  Costs you nothing and the companies are not allowed to increase what you are paying.  They want something from you, not always all of it at once.  Don't let them bully you.

I wish I could help you more, but I can't even get a credit card!  And we haven't found the magic powerball numbers yet.  Chin up, and don't let it rule your life.

Oh matey - I know exactly where you are coming from...

I got into some serious probs after my husband died - before even. I was on the verge of loosing my home and didn't open my mail or answer my phone....I was being taken to court left, right and centre....it was awful and it was hard and heart wrenching.....

I honestly hope things improve for you soon - hang in there matey - my thoughts are with you and yours

hugs

OB