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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by JenStorm[/i] [br][black][size=1][font=Comic Sans MS]All this is very, very new to me and I'm not sure where to start. I am 29 and my husband is 35. We have a 10 month old son. The 3 of us live with my husband's mother because we can't afford a place of our own. We have been on the local authority's housing list for almost 4 years, and in February we were offered a 3 bedroomed house. We went to the housing office and were interviewed to make sure we're suitable tennants, and passed with flying colours. Then came the financial review, which we failed miserably! My husband earns about £1000p/m, £525 goes on paying off his debts, leaving £475p/m. Because his mother is VERY aware of our situation, she lets us live here for £200 all in, which leaves £275 for travel expenses to work and formula/food/nappies/wipes etc for the baby. At the end of the month we're lucky to have £50 left. If we had our won place rent would be £400, then there's council tax, utilities and food on top of that. I suggested 4 years ago that he get an IVA, if he had done that we would almost be debt free by now, but he ignored what I said, continued to spend, and now we owe more than ever (30,000). We can't have an IVA now because he's put all his debts together and only owes 1 company. We both want our own place, but he won't do anything about sorting his finances out because he's scared. Please advise. Thanks.[/font=Comic Sans MS][/size=1][/black] [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.