In reply to Sara (Debt Camel).
Sadly that is the situation – I had a load of building work done which cost twice what I had set aside (because of all building costs and materials going up) and then I’ve had a slow reduction in my invoiceable income in the last couple of years (which happened slowly and then all of a sudden to quote Ernest Hemingway) . I am devastated and gutted to be in this situation but need to do something otherwise I will drown.
I have contacted Business Debtline and completed an online budget before I call them after work tonight to try and sort this out.
Thank you for your help, I really appreciate it.
