Debt Confession | Facing Our Bad Habits | UK Budgeting | Debt Free Journey

[@Aurora-co7lr]

Just a suggestion, you could keep your Etsy shop open, but just sell digital products. You don't have to ship anything but could still earn some more money! (Sorry for my english)

[@rainbowbudgetsandplans]

That's a great idea and something for me to think about ❤️🌈

[@kelleep535]

It's down on paper and not swimming around in your mind. That's an important first step. You've got this!

[@FrugalFunMum]

totally agree!

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@neusb172]

But if your washing machine breaks you can look for a credit that it's not 63% That interest is insane, it should be the first priority, because it's going to go up, the minimum payment doesn't cover the interest

[@lorettacarroll6015]

I have only ever heard that type of interest on payday loans. When my niece and her family had covid, they couldn't work, so she took one out. Once I found out, I paid it and told her to pay me back as she could without interest.

[@rainbowbudgetsandplans]

Thank you, as I said in the video, prioritising our debt isn't our main focus right now but I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024"

[@maddyneedham1208]

Debt one would increase by 415 a month my advice is take you number 9 number 10 and 11s amount and the usual 29.28 and that means that will take it down by 548 take a look at what’s left and pay it off the next month is my advice. Yes some will build interest but not as much as the top one get that top one knocked out as fast as possible then go back to regular payment on each as well as take the 29.28 and snowball that on its own to debt 2. I hope this helps

[@rainbowbudgetsandplans]

Thank you, I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024"

[@misskayemusic5678]

You’ve got this! I wish you all the success and motivation on this journey! I don’t want to give any unsolicited advice so feel free to disregard this but I had a couple ideas to increase your income while I was watching: 1. Short form videos have become increasingly popular these days so you could give those a go. 2. Have you considered selling digital downloads in your Etsy shop? You make the most beautiful cash envelopes and I imagine that would be much less time consuming than having to ship physical products so it might be an option while you’re on maternity leave. 3. Do you have an Amazon storefront? I would definitely use your link to buy that stunning calculator and floral mat!

[@rainbowbudgetsandplans]

Thank you so much! You've given me a lot to think about doing 🌈❤️

[@Annciel]

If I am calculating this correctly the monthly interest for Debt#1 is £34.98 a month. (£658.99 x 0.637 then divide by 12) I am afraid the minimum monthly of £29.28 doesn’t even cover the interest. If you only make minimum payment on that one, it’ll keep growing. I think you should aim to pay at least £35 a month so it doesn’t just grow. Good luck on your journey.

[@rainbowbudgetsandplans]

Thank you, I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024"

[@maryhowden9295]

Well done for being so brave sharing. I've thought of you often as I love watching you so much and thought you must be experiencing tough times. Big hugs xx

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@debbieblincoe9880]

Welcome back sweetheart! Thank you for being so honest and real! You have totally inspired me to get re started again Natalie and face all those debts and bills so thank you! Love love your debt pay back binder.

[@rainbowbudgetsandplans]

Thank you! We can do it together ❤️

[@debbieblincoe9880]

@@rainbowbudgetsandplans that we most certainly can!

[@hybridbudgets]

Welcome back! So nice to see you back on KZbin! You were the reason i stared my budgeting journey as you are so inspirational! There is no shame at all! Getting it down on paper and knowing all the amounts and interest is such a big step! Sending big love! Youve got this!

[@elainhayter9144]

You can do this Natalie, your KZbin community will support you every step of the way 💕. Xx

[@rainbowbudgetsandplans]

Thank you so much! ❤️🌈

[@adayfullofbudgets]

Have you considered transferring any credit card debt to a 0% and try and get rid of those high interest rates. Love the debt tracker binder, great way to stay motivated 💕

[@rainbowbudgetsandplans]

Thank you, I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024"

[@jengibbard5744]

Lovely to have you back! Really enjoy your videos. Wishing you all the best with your deby journey. And congratulations on the new baby!

[@patti2870]

Congratulations on sweet little girl baby pickle! So happy for your dream to come true and for her to be born into a loving family. The first step and sometimes the hardest of tackling anything is to face our fear and you did just that, great! You can do it, we will support you on your journey and over time you will be the one helping others out of their debt by being a true inspiration. :) It is way more motivating to see real lives improving and real numbers dropping than fake perfect online lifes

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@littlehouseontherock]

I made some quick, rough calculations for debt #1. Hope it helps. It is for 24 months, assuming that you would pay the remaining balance after 24 months (not counting the past, only from now on) Scenario #1 Paying just minimum payments: You would pay £702.72 over 24 months and have the remaining balance of £904.50. Total cost after paying it off completely after 24 months £1607.22 Scenario #2 Paying £35 per month to keep the remaining balance roughly the same: You would pay £840.00 over 24 months and have the remaining balance of £658.19. Total cost after paying it off completely after 24 months £1498.19 Scenario #3 Paying £50 per month: You would pay £1200 over 24 months and have the remaining balance of £12.28 Total cost after paying it off completely after 24 months £1212.28 Scenario #4 Paying £100 for the first 3 months and then £50 per month: You would pay £934.95 over 16 months to have it paid off completely. The difference between scenario #1 and #4 is £672.27 Hope it helps

[@Mariek76PTC]

The worst bit is always acknowledging how bad things are . Onwards and upwards from here on in. We made that up and down journey in and out of debts so many times in our mid-20s to mid-30s until it finally stuck and we got into a position and mind set to not go there again. It's a hard road but you can absolutely get there. Be kind to yourself. X

[@rainbowbudgetsandplans]

It's nice to hear that I'm not the only one with a roller coaster journey! I will reach the end of the ride eventually though 🥰🌈

[@Natasalata]

I am so happy that my favourite budgeting youtuber is back! You can do this again Nat 🌈I love your creativity, budget planner and debt tracking binder are amazing. I would love to buy you a coffee ❤

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@Littlemoonbudgets]

Awww Natalie, do what works for you and your family. We are all here to watch your journey. We are your little cheerleaders! ❤ You got this ❤️

[@northernvault2247]

I’ve watched your videos since 2022. I bought your budget planner too. You motivated me to save heaps of money. You got this. Thank you for coming back. I really missed watching your videos. ❤😊

[@rainbowbudgetsandplans]

Thank you and congratulations on your savings! 🌈❤️

[@LucyBuck-j6b]

So pleased you are back! You’ve got this! We’re all behind you 🥰

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@cafebudget]

Well done for facing up to it. You don't need to apologise for anything, you have been very brave. It's just a number, try figure out ways now to avoid increasing it while being comfortable, and tackle it in chunks. I do wonder whether #1 should be paid off asap though, is it not increasing in value at that interest rate? xx

[@rainbowbudgetsandplans]

Thank you 🌈❤️ to be honest I've not noticed whether the balance of no.1 has been increasing or not as ive not looked at it in detail until recently. I'll keep an eye on it

[@siobhankirk]

@@rainbowbudgetsandplans I did a quick calculation, and it looks like debt #1 is accruing more interest every month than you’re paying off. It might be worth increasing your monthly payments to ensure you’re covering the interest, plus a bit extra, so the debt goes down and not up.

[@nickers2k10]

Glad you are back and congratulations on baby girl! I've followed you from the beginning you actually helped me start my journey back in the day lol xx

[@rainbowbudgetsandplans]

Thank you! ❤️🌈 wishing you the best on your journey too ❤️

[@SBryerman]

You can do it. I have been watching you pretty much since the beginning and when you put your mind to it you conquer it. I would suggest you get rid of red while you are building your emergency fund, because the interest is crippling. Congratulations on baby pickle.

[@rainbowbudgetsandplans]

Thank you, as I said in the video, prioritising our debt isn't our main focus right now but I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024"

[@SBryerman]

@@rainbowbudgetsandplans I saw your solution. Great work around. Good Luck with the new addition and enjoy the season.

[@Girlpleasebudget]

its written down now.. you can do this! also your handwriting is beautiful even when you are writing down your fear!!! will be here following along and supporting you ❤❤❤

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@DeidresBudgetingJourney]

Following you on Instagram so know a bit already. Acknowledging the debt is the hardest part, onwards and upwards now. Glad you came back Natalie. 💞

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@lovesgoodstories2551]

So glad you are back on YT. Facing this is the hardest step but you guys have a plan and will get through this together. I plan to have these 2 videos play a few times on the weekend to help boost your views.

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@kelly2444]

there is NO SHAME in sharing our common experiences, I've already learned some useful things myself just from the comments alone on this video. Personal finances are an area of life where we are honestly scammed by corporations from a young age. You got this!! Budgets and Dreams are a good channel to watch, think she paid off 26K of debt in 2 ish years. It's very doable to get this debt completely gone in a few years! xxx

[@josephdaly2015]

You are so brave to share this with us. No 1 is definitely top priority and I know you don’t need me or anyone else telling you the same. I can’t believe a loaner/company is allowed charge that kind of interest. Having it all written down makes it more real but you know you can do this you have before and you will again. I love the tracker sheets. Delighted to hear you got a good nights sleep too. You have beautiful writing. Have a great week. Mary, Joes wife 🙇‍♀️👏💪👍🙏💐🌈💷

[@rainbowbudgetsandplans]

Thank you so much!! ❤️🌈

[@yvonnecoates3307]

Welcome back - you can do this! Also, you are showing real life. Most people tackling debt will have success, then life happens. No need to be embarrassed in my opinion lovely x

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@amandagutierrez9994]

You were always a driving force in my budgeting journey and so happy you are back. I know you will make great progress on everything, one step at a time! ❤

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@lisamalone5988]

Congrats on baby pickle! Hope everything goes well and you soon have a healthy baby girl in your arms. What a blessing! I bet big pickle and little pickle are so excited. Try to stay positive about finances. You can’t go back, you can only go forward and do your best. You have a lot of support on here and even though it may take a long time, we all believe that you can do it!

[@rainbowbudgetsandplans]

Yes they're very excited to be getting a sister! ❤️ thank you so much 🌈❤️

[@PlanNation]

Hi. New subby here. You have nothing to apologise to anyone for! Your channel is sharing a portion of life that you find difficult and that is so kind and so brave! Now you know what you’re dealing with you’re able to make a plan, so great step in the right direction lovely. Wishing you all the very best with your growing family, health and finances ❤❤

[@rainbowbudgetsandplans]

Thank you so much ❤️🌈

[@PatLeggett]

Congratulations on the new baby. Please take care of yourself and your family. Remember to prioritise your four walls home/clothers, ulilities, food, and transport. Build your emergency fund and keep current on your minimum payments. This will keep you safe. I am so glad you are back.

[@maddyneedham1208]

This but make sure she pays the ones with higher interest as fast as possible

[@rainbowbudgetsandplans]

Thank you so much! 🌈❤️

[@crunchingwithcris]

Yes is a lot debt but you now on the journey to get it all done and dusted. By putting the numbers down you start the first step. Also now you know your numbers and you got a goal and trying to measure it to 2028. I believe you will get it done. Etsy, KZbin and Vinted all help to the goal. We will be here to watch and support you. Amazing how brave and honest you are Natalie 🎉❤ Sending you love 💗💙💗

[@mimosapercy5402]

So glad to see you back to youtube, been following since the beginning!❤

[@rainbowbudgetsandplans]

Thank you 🌈 ❤️

[@JuliaBowden-s1h]

Well done for writing this down thats the first step, i would cut the cards up with the highest interest and keep some for emergencies, if you sell anything or youtube money put that straight towards your debt as its money you never had - its a long journey ahead but you doing amazing and congratulations on baby pickles x

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@NanaSaves]

Welcome back missed you , congratulations on your lovely news and wishing you well with everything ❤❤❤❤

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@GraceTheBabbler]

You are so great for taking this step Natalie! You’re doing amazing even to take accountability

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@samanthareeves5690]

Ohh you have got this lovely, you have made the biggest step by starting! You will get there. Xxxx big hugs xxxxx

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@jeannesutter4951]

I hope you're getting the mental health support you need as you manage this challenge and supporting the Pickles. You and Mr. RBP can do this!

[@rainbowbudgetsandplans]

I'm getting lots of support with me mental health ❤️🌈

[@rhondarobinson6389]

Don't be so hard on yourself. Me and everyone that I know has had ups and downs with debit. It's just life. You all will get a hold of your debt with time and God's help. Congratulations on the upcoming birth of your new baby girl.

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@clairebailey555]

A fresh start and good luck with baby pickle. I know you have said you really want to concentrate on building an emergency buffer but if you can I would split this into 2. Save for emergencies but also over pay on that horrendous debt number 1. With that payment and interest rate you cant be paying off much of the capital every month.

[@rainbowbudgetsandplans]

Thank you, as I said in the video, prioritising our debt isn't our main focus right now but I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024"

[@picking4profit]

Don't be ashamed, seriously. I had a huge amount of debt at one point probably around £40k on a single income following a serious illness and trying to be a good mum on a single income. That debt is gone now and although it was difficult, I got out of debt. Do not worry about it as it is bad for your health, and you need to concentrate on your your baby and family for now.

[@lorettacarroll6015]

I still remember my highest was $179,000.00 USD. Back in 2008.

[@rainbowbudgetsandplans]

Thank you! It's inspiring you managed to do that on your own - amazing! ❤️🌈

[@paulalittlewood6022]

Good luck! You did amazing last time and hopefully again this time. Where do you get your planners printed if you don't mind me asking? Xx

[@rainbowbudgetsandplans]

Thank you! 🌈❤️ it took me a lot of different suppliers to find the right printer for me

[@Grwmcarysxlily]

Go on Natalie, you’ve got this 🎉❤❤

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@jodiebudgets4927]

So brave of you to share this, good luck with your journey ❤

[@manifestationbudgets]

You've taken that step to really look at the numbers and face the reality so it's only up from here now, you've got this ❤

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@fullmooneve1651]

Well done for doing this video. It will get better because you're paying attention to it again, you will be OK ❤️ the journey is painful, unfortunately. This adulting is over rated 😂 I love how this time you didn't say what the debts are, this is a good idea to protect yourself. No one needs to know that, other than you. Huge love ❤️

[@rainbowbudgetsandplans]

Thank you - yes adulting is definitely overated! Take me back to school 🤣

[@LotiaScarlet]

Come on girl :) !!! No shame .. love that you are back. Imagine what this would have looked out with no earlier efforts. congrats in your baby love.

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@FrugalFunMum]

Well done for facing it - that's the hard part now to move on! I HIGHLY recommend you meal plan and portion control food, even snacks, list everything down and keep it strict it will really help you. Make at home what you can. I would be cooking some bulk meals NOW before the baby comes even something basic like spag bol so you just have to reheat and take away isn't knocking as an idea. It's ok to have basic pancakes or even toast for dinner some nights so don't feel that you need to do a full meal every night. With ANY income you earnt from You Tube I would just push that straight into debt don't count it as income for the house / bills. Start googling side hustles and survey's you can do from home on your phone. Google mystery shopping , google free samples, see what you can get as a new parent. Join your local buy nothing group , people are always passing on clothes their kids have outgrown. It's going to be a million little things that all add up - It's going to be hard but you will appreciate the journey.

[@rainbowbudgetsandplans]

Lots of fantastic tips here for me, thank you so much! ❤️🌈

[@Dreamingbigbudgets]

Hi Nat where did you get the money jars from please

[@rainbowbudgetsandplans]

Hi! They were a Christmas gift either last year or even the year before, but I believe they were from BnM x

[@vvallis]

You are going to be so proud of yourselves when you have done it, best of luck for your journey ❤

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@angelay1925]

You've got this, no need to be ashamed. Todays society almost forces many into this kind of situation. I love your planner system, please consider doing a digital download of it, i would definitely buy it. ❤

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@caffeinatedengineer7993]

Uhhhhh. .. That first debt has an annual interest accrual of 420. That means each month you're accruing 35 in interest. Your minimum payment isn't even covering the interest on your debt. That's scary!

[@maddyneedham1208]

Question is it monthly or yearly though some are monthly some are yearly

[@lakesyful]

Facing the debt and acknowledging it is always the hardest. Try not to let this take the shine off your maternity leave and enjoy your time with your baby girl. I’ve been in and out of debt my whole life. I recently paid it all off only to end up in twice as much debt a few months later thanks to a house move/maternity leave. It is a part of life for most people. Looking forward to following your journey xx

[@rainbowbudgetsandplans]

Thanks for sharing your experience! 🌈❤️

[@thebubblystuffer]

Catching up😊

[@sprinkledbeanies760]

So many people in debt to the outside world look well off well done at least your facing it maybe see if u can get any written off or may except lower amount good luck we are all on your side 💖

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@keishabell7820]

This was so brave if you! Putting it all out there again and admitting mistakes. We all have regrets with our money decisions. I think the person that suggested digital products on Etsy had the right idea. Every little bit helps! I totally agree with you on paying minimums except on 1,2,&4, I think you should pay those off asap because they are smaller with high interest. Then stack up cash until baby is here and you are both healthy and home. ❤❤

[@rainbowbudgetsandplans]

Thank you, I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024"

[@loubudgets5992]

I am assuming you have car loans. Would it be possible to sell one of the cars and manage for a while with just one car? I know it may not be possible but it would wipe out a massive monthly payment. Good luck.

[@rainbowbudgetsandplans]

I've looked into this and selling the smallest car (we would still need the big one!) Wouldn't give us enough money to pay off the loan in its entirety. Plus with the schedules of 4 (almost 5) different people it's hard to manage with just 1 car. We will of course revisit the idea in the future.

[@Slowlybutsurelyp]

Thank you for sharing your story. Here's to your new beginning

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@tanyaleonard4934]

Glad your back. Keep your chin up things will get better. xx

[@rainbowbudgetsandplans]

Thank you, I will 🌈❤️

[@nathalie7516]

So lush to hear you've had a good start and sleep as a result. Fresh start, you can do it 💪

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@france_soberano]

I suggest you prioritize the ones that has higher interests, then go down to the lowest. As long as you are consistent in paying, you can definitely make it!!! 🙏🏻❤️

[@rainbowbudgetsandplans]

Thank you!

[@jade4994]

I have locked my credit card away from myself because I cannot be trusted. It is so EASY to go into overdraft, rack up credit. Then I had emergencies happen and had to take out a loan cos my credit card was maxed out and I was already overdrawn, it just snowballs. I've finally nearly paid everything off now. Hope you are doing okay!!!

[@MC-hn5go]

Small steps RB & you’ve made the biggest one 👏 so glad you got a good nights sleep ❤xx

[@rainbowbudgetsandplans]

Thank you! ❤️🌈

[@kirstensenior4542]

Hi Natalie. So good to see you are back with your videos. You got this as being honest about how much debt you are in. Personally I wouldn’t go with a debt management company as they rip you as in regards to pay off your debt. Try instead the debt charity that Martin Lewis is always talking about. One is Christianity against poverty as I’m sure they would help you and your family. As side hustle do sponsor me a coffee on your KZbin channel as all your followers would be so supportive of you. Good luck for the future and especially with the new baby. 👍💕💕

[@rainbowbudgetsandplans]

Thank you so much 🌈❤️

[@janicegagnon2294]

You are on your way, facing the numbers and making a plan

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@amandathemadscrapper6993]

There is no apology to others needed. This is your financial journey and no-one else’s. You have taken responsibility for all the decisions you and your family have made and now have more knowledge to move forward. Priorities are set. Remember Needs versus Wants. That alone should help keep you on track. Good luck and take care as you prepare to welcome Baby Pickle into that gorgeous bedroom you have created for her.

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@bogbrush250]

Well done for acknowledging the debt problem. Many never get to that point with money management. I would possibly consider selling cars and other items and use the debt snowball method rather than the debt avalanche as it’s more psychological and yo feel like your making progress faster. Also looking into financial peace university might help, Christians against poverty also have a money management course which may be useful if you can find a local church that runs it.

[@Valkyriebudgets]

You got this 💪❤️xx

[@janicegagnon2294]

Don’t apologize, life happen ❤

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@callybrown4757]

Have you considered an Iva? I’ve just completed one and it’s really helped give me a fresh start. ❤xxx

[@rainbowbudgetsandplans]

I'd rather do a DMP than an IVA in the first instance x

[@josephdaly2015]

Im back again. It’s just a suggestion (plus I’m also wondering) would it be possible to put loan 1 onto a different credit card? I know it seems like robbing Peter to pay Paul but at least the interest rate would at least be half. You have to pay it back anyway but it just might take a little bit of pressure of ye. Hope ye are all keeping well. Mary, Joes wife 🙇‍♀️👏👍💪🙏💐🌈💷

[@rainbowbudgetsandplans]

Thank you, I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024" 🌈

[@TheHousewifesBudget]

Welcome back ❤

[@jojobudgetslife]

Life happens, nothing to be ashamed of.

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@frugalannie]

well done and welcome back 😊

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@trisarahtops8928]

You've got this! 💜

[@rainbowbudgetsandplans]

Thank you 🌈 ❤️

[@marymohr9918]

Try not to be so hard on yourself. This happens to so many. You can totally do this!!!

[@rainbowbudgetsandplans]

Thank you! 🌈❤️

[@littlehouseontherock]

Fingers and toes crossed that everything works as planned. #1 looks nasty and it would be worth focusing on it as much as possible. Let us support you by watching more of your videos. Can you please make at least the ones about your previous budget planners available?

[@rainbowbudgetsandplans]

Thank you, as I said in the video, prioritising our debt isn't our main focus right now but I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024" 🌈❤️

[@littlehouseontherock]

@@rainbowbudgetsandplans I just watched it. Good decision.

[@mariajohnson6400]

❤ Good luck you can do this.

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@FlightLifeBudgets]

Good luck of this journey.

[@Chloe299XxX]

Dont beat yourself up about this Natalie. I think it's easy for me to say looking in from the outside. But you have faced this head on. You're not in denial. Someone else suggested keeping Etsy as digital products? I love digital products so would definitely love to see that. For your kids do they share a room? Or are they separated? I know you said big Pickle had some hiccups so wondering if moving them would interfere with his comfort. I was thinking bunk beds for them for a little space. I know some other channels do anonymous budgeting advice. Like Ira does Budget Bestie. So maybe would help before a debt advisor? You've got this ❤

[@rainbowbudgetsandplans]

Thank you ❤️🌈 the boys have separate bedrooms currently x

[@CraftyBudgeting]

Onwards and upwards…..try to enjoy the time looking forward to baby arriving and you’ll get there slow but sure 🥰🥰

[@rainbowbudgetsandplans]

Thank you 🌈❤️

[@patriciagonzales3297]

Welcome back😊

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@krazyhayley1991]

Can you claim dla for big pickles? Also carers allowance for you if possible? Universal credit? And dont be afraid to use food bank, they can direct you for debt help too. Go down to 1 car as your not working, not ideal maybe but might be an option for a while? Keep etsy open for digital items, and put adverts on your youtube lovely. If big pickles is incontinent, you can ask for a reduction on your water bill too! Hope any of these help x

[@rainbowbudgetsandplans]

Thank you, we are in the process of applying for DLA but it has a long response time ❤️

[@krazyhayley1991]

I know what you mean, i've been through it twice! 🙈 it took forever but its helped me and my family massively! Xx

[@LesleyBudgets]

Onwards and upwards ❤

[@rainbowbudgetsandplans]

Definitely! 🌈❤️

[@missvioletoliver]

Also well done for taking the bull by the horns and facing it straight on 🎉

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@sue1703]

Be careful with the Debt Management Companies. I've heard some not good stories about them. Maybe u can call the credit card companies and negotiate a lower interest rate for hardship (for each credit card)? You could do the same for your electricity and other house hold bills?

[@rainbowbudgetsandplans]

I think if we were to go down the DMP route we would use stepchange as I believe they are government ran? I might be wrong. But ive known people who used them and they don't charge anything, unlike other companies. 🌈❤️

[@simone3169]

@@rainbowbudgetsandplansstepchange have changed my life and has helped me feel less anxious. With the debt management plan, They go through your budget and then work out how much you have at the end of the month. The left over goes to the debts. Stepchange will also give you other options

[@johadfield3816]

We used them and they were fab

[@karinatuck2421]

I know you want to have the emergency fund. Would you be able to add some sort of appliance cover to your home insurance that covers them? That way the emergency fund wouldn’t have to be as big a priority and you could try to pay off debt 1 as that has high interest. Also maybe you could consider getting buy me a coffee like some other budgeters do and you could put that towards debt 1 ❤

[@rainbowbudgetsandplans]

Our emergency fund wouldn't just be for appliances, this was just a singular example. There are many things that could happen that would require an emergency fund first 🌈❤️

[@MrsUnderwriter]

Oh my

[@rainbowbudgetsandplans]

🌈

[@cherryblossombudget]

💕🌸💕

[@lyndaeads5463]

I think your husband needs to pick up weekend work for awhile to help bring in extra to help get this debt down to a more comfortable number. Financial stress is not good for families. Team work does wonders. You and your family can do this. Make this journey a game. Involve the whole family. Your not the only one who was ever in debt, I'm sure your readers can offer lots of great advice. I know you can do this

[@rainbowbudgetsandplans]

We are working on as much additional income as we can ❤️🌈

[@lucyramos1]

You can do this. Step by step.

[@rainbowbudgetsandplans]

Thank you ❤️🌈

[@katieavery1029]

Nothing wrong with debt management plan,at least it freezes interest, don’t forget while your on mat leave look into universal credits too even £20 a month would be a help, something is better than nothing. Also have you applied for dla for big pickle, it’s not done on diagnosis but on needs of the child xx

[@rainbowbudgetsandplans]

Thank you, I've done a few online calculations for UC but don't believe we are entitled to anything.

[@karl_ambler]

Did you get all your dental work done ❤

[@rainbowbudgetsandplans]

Yes it's all completed! Just the cosmetic work to be done, but that is at the very bottom of my priorities right now. 🌈❤️

[@karl_ambler]

@ 👍

[@missvioletoliver]

I would suggest looking at becoming a childminder . With three children and the cost of childcare, you might end up making more by a short term shift in careers. Also, if you work 40 hours you can claim 33% back on your utilities and other tax advantages . I know it’s not for everyone but it was a real lifesaver for some of my friends with young children and a tight budget .

[@rainbowbudgetsandplans]

Thanks for the tips!

[@joannegavin3879]

❤❤❤❤❤

[@rainbowbudgetsandplans]

❤️

[@pixie0809]

Line in the sand Natalie. No shame here just living. We have your back. Can you ask someone to act as a monitor so they can block any negative comments as I don’t think you need to see those. You have this

[@rainbowbudgetsandplans]

Thank you 🌈 unfortunately posting stuff on a public platform like this is going to attract people and some of those may have nasty opinions. I'll try not to let it get to me! ❤️

[@jinx4645]

❤

[@rainbowbudgetsandplans]

❤️

[@Joolshandley8963]

Well done facing it , I honestly would not be able to sleep at night .

[@rainbowbudgetsandplans]

Thank you ❤️

[@maddyneedham1208]

I would pay off this was number 1 number 2 then number 4 then do number 3 as it’s bigger snowball method then 5 and go from there

[@rainbowbudgetsandplans]

Thanks its something for me to consider