Finances - Argh

Over the last few months have been attempting to organise my finances in order to get rid of debt and give me some spare cash so that I can treat myself to some new clothes as mine are getting a bit big since have lost some weight and I also want to be able to do more with the kids. I also want to improve my credit rating
This has not been easy especially with a limited income however the best advice is to be honest with creditors and tell them exactly what is going on - some of them may even make a deal with you. Talking to my creditors and being honest with them has really helped me.

The only other thing that has helped me is talking to my friends and family and told them exactly what is going on this has meant that we have been able to arrange to do things that fit better within my budget.