If you are experiencing financial difficulties the first thing to do is to ask for help. Closing your eyes to your problems will only cause you unnecessary stress.
If your debts are mounting and your 'robbing Peter to pay Paul' just to get by, the first thing to do is to budget your money correctly and get a true sense of your financial situation. Your lenders may be in a position to help you restructure your debts/payments into a more manageable package, generally speaking if your open and honest with them, they will treat you fairly.
For a lot of people however they may feel overwhelmed with their situation, they don't even know where to start to put themselves on the path to recovery. Luckily there is an agency which can help you, the Money Advice and Budgeting Service will help you take control again. They will budget your money, work out a payment plan for your debts/utility bills and there is no cost involved.
Contact them http://www.mabs.ie/ and they will schedule a meeting for you. As you can imagine they are extraordinarily busy at the moment and you may need to wait a few weeks but it will be worth it. There are a number of private budgeting services who promise to renegotiate your debt but please tread carefully, they do charge fees.
FS
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