Bust: The Impact of Debt on Real Families | Real Families

Bust is an intimate portrait of families struggling to cope with personal debts as the credit crunch unfolds.
Tracy and Melvyn bought their council house on a low interest mortgage, but with rates soaring they’re now in trouble.
Michael is struggling to afford the help he needs to cope with his lung and heart disease.
Maria is a social worker who took out a loan when she could easily afford the repayments. Now on maternity leave - her creditors are threatening to send in the bailiffs.
We follow these families over a year as they struggle to cope, and battle through the bureaucracy of bankruptcy and repossession.
Real Families brings you stories of modern-day family life from around the world through the eyes of children, parents, and parenting experts. Stay with us for weekly documentaries and full episodes of evergreen family documentaries and parenting TV shows.
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[@myyt3824]

When Michael said “I’m sick to death of not being able to eat a proper meal” I teared up a bit 😢 this is heartbreaking.

[@catvisiontv855]

We need to create petitions for UBI in every city and go to every university and get it on the ballot in cities first to get the attention! The Solution to the problems would be to tie UBI to GDP at 30% of the GDP and that would be the solution to any problems! Our government can do any budget they want for whatever they want and give money to corporations for trickle down which does not which since they do stock buybacks with that!

[@chocolatesugar4434]

That ladies husband is not an asset to her at all. Why have a husband that swears at you, and threatens to leave you AND won’t work. She’d probably be better without the dead weight

[@rosiered2357]

that poor woman in Derby deserves so much better than that man shes married to.

[@Metqa]

" Something goes up, Petrol goes up, Now Foods going up, Mortgage rates go up, Everything goes up at the same time." Except Salaries and Pay. "You just can't juggle anymore" :(

[@rochellekeels8026]

AMEN AMEN Amen, those day's are over with, God bless you, we all are struggling, I'm struggling with gas and electric, and mortgage, I trust in the Lord, he is our strength 🥰

[@createone100]

Melvin is far too passive, takes his anger out on his wife who is trying her best, and thinks someone else should solve his problems. I feel very badly for his wife who is actually looking for solutions, with what looks like no support from him. He berates her and is rude to her. Can’t see a woman putting up with that nonsense for long. The Caribbean woman is a wonderful Mum. But she should NEVER have taken out a 39% loan on a car (a depreciating asset). This was her big mistake. Where on earth is financial literacy taught in the UK? Michael is determined and manages to keep a sense of humour, which is amazing. I wish them all the best.

[@ashotofmercury]

The lady of colour shouldn't have popped out another one at all! A 9 year age gap?! Children are a privilege, not a right! 🤷🏻‍♀️😡

[@olanosergio]

@ashotofmercury agreed. I was thinking the same thing. Why have another mouth to feed, that you simply cannot afford

[@lucieboyland1369]

@@ashotofmercury but she had a long term partner they could afford it but then they separated don't judge

[@princess_ama]

@@ashotofmercuryShe was with the father for many years, and they agreed to have a baby together, but he left WHILE she was pregnant.

[@donna25871]

I wish there was a follow-up to see how these people are going ,and if they were able to resolve their financial issues.

[@s1234pro]

Yes, children can feel it as well as see it.

[@rochellekeels8026]

So many people all over the world are struggling, it's horrible, God Bless them all

[@vultoktok1848]

Are you not?

[@selaluoposisisiapapunpresi7982]

@@vultoktok1848 compared to the people in G7 countries, no i'm not

[@teekolinski491]

Y​@@selaluoposisisiapapunpresi7982

[@hermanrogers1325]

And ripped off scammed and cheated

[@lucieboyland1369]

Been sat the entire winter thus far without any heating on at all was 6 degrees in my home other day cannot afford to put it on its so expensive my mental health is already bad with losing my beautiful son and with all the added stresses on top with money worries I'm sinking into despair and with long term health problems the government just does not care about people

[@janetpitchford5449]

Melvin is a waste of space and no support to his poor stressed out wife

[@1corinthians-138]

Big mistake to take a second out on your house, especially if your income stays the same. You will never keep up with the interest payments. Same on credit cards with the fees and interests adding up every month.

[@PC-lu3zf]

Yes never do it.

[@colinchampollion4420]

You hit the arrow on the Bullseye!

[@burly636]

No way, I’d be so afraid to do that. I want to keep my equity that I have.

[@PianoMatronNeeNee]

I feel compassion toward struggling families today. Lawmakers don’t understand the true struggle.

[@rochellekeels8026]

Amen Amen Amen Amen Amen Amen Amen Amen Amen Amen

[@bidensdiaper394]

Oh many do. They just don't care. They have stolen our wealth. Don't vote for career politicians

[@jenniferwyoming8067]

They understand...they just don't care

[@connie187]

Law maker don’t care.

[@kristinesharp6286]

2004 a long time ago.

[@sarahboardman1337]

Gavin the violent husband who doesnt make an effort, no ideas of how to help, but instead kicks holes in walls and doors whilst wife is having a nervous breakdown trying to resolve their issues. Shed be better off living alone.

[@carynbruyns5417]

Best advice I ever got from my dad - never ever have debt of any kind. If you need something wait until you can pay for it in cash. In the meantime do without.

[@MaterLacrymarum]

Easy to say. Some of these people are in debt because of the cost of housing. What would you do, go homeless? How about the guy who has no money because of ill health? He can't turn on his oxygen machines. What should he do? The average price of a house in the UK is £286,000. How are you going to save that up? Get real. The average salary in the UK is £38,000, with at least half of that going to taxes, NI, and so on.

[@carynbruyns5417]

@@MaterLacrymarum Obviously I'm not talking about this elderly gentleman or anyone in particular. Just as a general rule it is better to not have any debt (other than a mortgage) and to get into the habit of saving.

[@vanessawilliams4432]

@@MaterLacrymarum Are u serious about the prices u stated?! Average cost of house would purchase two for me alone here where I live! My mind is racing at this minute, sending prayers an hoping you guys are in a much better position then u were! 🙏😢

[@fim4160]

My mum taught me the same thing

[@regemerator7829]

​@Vanessa Williams Yes that's accurate about the house prices, except most people earn less than that average wage.

[@Bulletguy07]

3:30 the minute I heard Tracy say, "they just kept putting the (credit card) limits up so when we did feel we hadn't got quite enough money we'd got plenty of money to spend on the credit cards......we didn't think it through", I knew EXACTLY where this was going. Credit cards are fine as long as you PAY THE ENTIRE SUM each month. NEVER EVER only make minimum payments otherwise you're on a fast track to horrendous debt. I'm rubbish at figures and was always bottom in class at school with maths BUT i've never been in debt because I only used my credit card for petrol and food, then paid the balance off every month.

[@archimedes4860]

@Justin Loveday If you can afford what you've charged, you shouldn't be paying interest, though. Why would you carry a balance if you can afford what you've bought?

[@wildchild554]

it also can be good to use on larger purchases like fridges for that extra cover on your purchase but again not until you have the money to pay off the whole balance when the bill comes in.

[@wildchild554]

@@archimedes4860 some offer rewards not a huge amount but mines an extra £10 a month because I use it so to me it's worth it also for the extra protection for larger purchases.

[@joehoey6337]

you're exactly right, its convenient to use credit cards but pay them off each month, it costs nothing. let it ride and the banks will crucify you'

[@SuperChloroplast]

I paid one credit card using a free-of-interest offer on another credit card transfer, so I paid the whole amount on X credit card, using Y credit card and Y credit card I paid a minimum monthly without interest for a period of 2-3 years, then when offered ended I was getting a similar offer from the bank of credit card X, and repeat the whole process again. In that way, I paid about £ 4000 without paying interest.

[@deedee-qx4xi]

If i struggled with one child, no one could persuade me to have another

[@rv292]

''After several years they decided to have a baby.'' Minute zero of pregnancy, he bailed out.

[@shieh.4743]

Super awesome for you. Same people with this attitude usually also support forced birth policies.

[@CDNMusicLover]

Exactly.

[@vanessawilliams4432]

Not on this planet! My son was seven before I married an had my second! He was also seven when I had my last one, I made sure everything was in order before having any children! It was more important than anything in life.

[@camillewilliamsHOLINESS]

Maria to damn old to be having a baby and with a boyfriend 🫠

[@gugumohed]

God please help those suffering families to overcome the cost of living and energy bills!

[@peterclarke7240]

Sadly, the only thing god has to offer is heaven, and you can't get there if you top yourself, so basically He's no use to anyone in these circumstances.

[@rudyardganuelas6254]

also guilt. dont forget the guilt trip you get for "causing" the torture he put on his own kid 2000 years before any of us were born.

[@journalingwiththelord]

@@peterclarke7240 how wrong you are.

[@ravenbaa7989]

@@peterclarke7240 shush up

[@gugumohed]

It's too sad they struggle quite a lot to overcome their financial crises! God bless them with comfort and strength to solve their problems finally!

[@Rk-vr1xv]

many make their own issues by continuing to have children they know they cant afford

[@a-khanation5279]

Why put the year 2022 title ( cost of living ) on a early 2000s documentary

[@arod9998]

This was filmed in 2008 during the last financial crisis.

[@Age_Of_Aquarius84]

This woman is convinced having her useless husband is better than nothing! You shouldn't be facing homelessness when you have a husband/wife. Two incomes will always be better than one and no woman should be struggling if she's married (in my opinion).

[@sophia4christ]

I do not know how a man can be happy not working while his wife slaves away as the sole breadwinner. That husband exhibits so many narcissistic traits! Smh

[@ninawestlake14]

The bigger problem is the woman subscribing to that bs!

[@MHiggins]

Life becomes unbearable and these folks are fighting day in and day out. The husband gave up from exhaustion and the wife is on her way to giving up. Unless you have never experienced this you wouldn’t know what it’s like.

[@kathrynmdesign]

He stayed home to care for his sick son. It sounds like a mutual decision and a parent must put their children first. And not all employers are totally sympathetic to those situations. My husband is an at-home dad though now looking for work because living on mine alone has become impossible. But in our parents and grandparents generation it would have been possible… and they talk about how stressful it all is and they argue… but they also realize what they do have. It’s all give and take. And then he talks about his depression. He smiles but he’s not happy and carefree. He’s managing. And that’s me and my husband, too. I don’t see narcissistic in that first husband at all.

[@preciousjemstone2816]

I think the wife is part of the problem. Even when he mentions working she told him it wouldn't make a difference to their debts. Then later on she said he wasn't making enough effort to find work. They should have agreed long before they where forced to sell their home for him to return to work. The child is school age, so he could be doing some sort of work.

[@ninawestlake14]

@@preciousjemstone2816 I fully agree.

[@tips_and_tricks_for_life100]

I bought a house in South Africa in the 1990s. The interest rate was in single figures, but five years later the interest rate had risen to 27%. It was untenable and we sold the house for what we owed the bank. Five years of payments down the drain and nothing to show for it... But its a better option than to default and be evicted. Things will turn round and get better. Its aweful to experience, but the future will be better.

[@dianestevens2659]

Get back to work Melvin, no need to stay home, the child is not needing fulltime care

[@dianestevens2659]

Melvin seems lazy and apathetic

[@chenhaodong4576]

It is disheartening to see honest working people and disabled retiree in this situation. Politicians should watch this video. May the Lord provides them with strength and confidence.

[@tiffsjourney877]

I agree, if you are struggling, do not have children BUT a lot of people don't struggle untill after they already have children. There are so many circumstances that can leave you struggling when you wasn't. God bless anyone trying to get by. ❤

[@debbieframpton3857]

Why isn't Maria's baby daddy paying child support or the daddy for the oldest child

[@4spremilimone]

Because men are treacherous

[@Goddesswstrn]

Good question 🤔

[@differentgenx]

only 45% of men pay child support in the uk - of them the amount is too small to be of much help. The Child Maintenance Service (CMS) is a joke.

[@Taylor23890]

CSA or CMS as it’s now known is really not fit for purpose . As the pwc it’s down to you to prove the nrp especially if they’re self employed earn more than they declare . CMS will come back and say the nrp liability is £10 per week . With me my ex owes over 6k CSA have asked me can they write this debt off . I’ve said once again no

[@Queen-of-Swords]

My ex is assessed as needing to pay £0 pcm. The new Child Support Agency under the Tories is 💩.

[@bubbiej6046]

Right, I'm now feeling the true stress and worry my mother felt in the 80s with my sister and I as a single mom. Economy is comparable.

[@vickimarlene4905]

I was a single mum raising two kids. I worked part time and part single mothers pension and part maintenance from my ex for the kids. I was very good at budgeting and strict with it. I managed to build a home for us and whilst we weren’t rich my kids had a good education and good birthdays and Xmas. I don’t think my kids appreciated the struggle but in proud of what I achieved.

[@rochellekeels8026]

@@vickimarlene4905 Amen Amen, I'm trying now to learn to budget, pray for me, God Bless you 🥰

[@differentgenx]

@@vickimarlene4905 I was a single mum in the 1980s and most of my adult life, its much worse now. Tories are only interested in the rich. They have done virtually nothing for the working class, Ive never understood how anyone votes for them. Now with social media we can all see how low the Tories will stoop to to get everything they want from us - asset stripping and slave wages. Plus do you see any MP suffering? Are there any cutbacks for MPs, such as expenses, 2nd homes, subsidised food and drink in Westminster???

[@joehoey6337]

yes its Thatcherism!

[@hannah8377]

It is heart breaking to see mothers struggling to manage her finances.

[@detectivethinker3637]

She is struggling, but at least there is a man supporting her! Some mothers are doing it alone.

[@user-xr7qn3rs4v]

@@detectivethinker3637 Well, let's see. Single moms choose men who DON'T WANT kids or a commitment and then cry about it. Unwed mothers is a term that should return; it's a failure of self-control, self-respect and morals. Single mothers are simply reckless; they make bad choices, often with more than one man. They are not heroes or victims. I am also aware that the UK is totally corrupt and failed socialist state; they have a caste system for centuries that's almost as bad as India's.

[@mandybradley3079]

If you bring children into poverty. You chose to suffer. You all ready know that child will suffer. So don’t do it.

[@deathrowtodisneyworld5030]

This is an old video, but accurate fir today.

[@pearlkelly6337]

yeah its already been uploaded a good few years ago

[@GilAV-gc8bj]

It’s even worse today

[@jeffcop1]

I was sort of lucky I bought a cheap cave house in Spain 20 years ago. Then I was disabled and moved to Spain. It has saved my life. I now get my pension and am not doing too badly. But my family in the UK aren't. I want them to come here and live with me. But Brexit put a stop on that. When that man said he liked to sleep, then a throw away I sometimes hope I don't wake up. He needs help. The UK is not the same place I grew up in. So who is leading the country now. A fabulously wealthy man. What does he know about struggling. I really feel for those struggling. The worst is yet to come. Living here is so cheap. As a single pensioner here I manage OK. How comes the UK can't do it ?. Beats me. The Government could help you if they really put their minds to it. But they won't, not can't, won't.

[@harley8680]

so are you living off Spain? did you work there before you became disabled?

[@hifi8844]

Lived in Thailand myself for a while was fantastic back in the UK and hate it all greed here obsession with wealth makes me sick. Think I will go abroad again at some point.

[@irishpicker7295]

Sorry but we are in this mess becuase of the government. The more we rely on them scumbags the more trouble we get into.

[@a13xdunlop]

@@harley8680how rude, did you not read his post, he has a pension, he can still claim his UK pension in Spain. He will now be a resident, so will get healthcare.

[@michelleshelley995]

Sounds to me like a bunch need to get together

[@CatMurray]

These stories absolutely slay me…anyone can have a change of circumstances.

[@TeamNoSafeWord]

GOD LOVE THAT POOR COUPLE WHO HAD TO GIVE UP THEIR HOME. I FELT THEIR PAIN IN MY HEART. POOR FAMILIES. XX

[@aboxernamedgus]

The couple who los their home - that husband is a complete drip.

[@eattherich9215]

Both of them were STUPID to put everything on credit cards.

[@MrBisketTV]

Never ever consolidated unsercured loans with a secured loan on your home...! Do you think bankers and money trader's do that....!😳

[@4spremilimone]

No one told them

[@skyematsheloinboxbhjnll8ih29]

Did it once so mum could have back surgery and return to work. Once compensation was paid, the money was paid off the mortgage. Would not consider it unless it was a similar situation. Every other refince was to lock in extra payments or to purchase further property. One house paid off. Other two working towards ownership.

[@emilyh6293]

“Never ever” end a question with a “…!”

[@amc5926]

Melvin is a man-child. What a terrible choice for a partner.

[@jamesheath7596]

Melvin has just given up. He should have seen the repossession coming months ago, tidied the house up and sold it then. That way he might have a bit left. If he leaves the bank to sell it on, they will put fees on and also stick it in an auction so he may well find he still owes the bank money.

[@clairevincent2561]

Wow I really hope Melvin wife dropped him like dead weight what a big baby he is and how he acted all through the entire programme ..big man child

[@capricornfairy624]

39% on a loan should be illegal!!! I don’t understand the couple in this film. If their son is ill why doesn’t their national healthcare cover a caregiver for him or why doesn’t the father receive a caregiver allowance? They have money for alcohol & cigarettes in their home and the wife has 2 diamond rings and 3 gold necklaces around her neck. I’ve been to a food pantry, I’ve sold/pawned my jewelry, I’ve taken the majority of my possessions to a flea market and sold them to feed my family. We went without Wifi in our home and went to the library to use the free internet to apply for jobs. Choices have consequences! I’m not without sympathy but some of these situations are just because of poor choices.

[@dmmoctober]

Well aren’t you just whiter than white? Take a bow!

[@LeannsAdventures]

I feel really bad for the grandpa, I hope he has family and kids as support.

[@babytt8487]

Sad as his situation was he made me chuckle.

[@Daisy24704]

Seriously, how can you let credit card debt rack up to 44,000?. We're married 37 years and we've never had a credit card, only debit. We've had some very lean times when the kids were young. At times we were cold and hungry to make sure the children had what they needed. You can't just keep borrowing and then stick your head in the sand.

[@Taylor23890]

It’s easy for debt to mount up . Someone with brilliant credit score can easily get a loan with low APR. Someone with bad credit they’ll offer you a loan of £500 over 18 months total repayable £2,500

[@Daisy24704]

@@Taylor23890 but why do you need credit cards? Can you not manage with what you have. If you want something and you can't afford it, do without, I'm not being hateful, I'm actually trying to understand the credit mindset

[@Taylor23890]

@@Daisy24704 I didn’t say credit cards . I said loans . In this current climate people are being hit with unexpected expenses , then need to rob Peter to pay Paul

[@babatundeonabajo]

@@Daisy24704 Unfortunately credit cards are mostly necessary in the world today in order to build up a credit history. Without it you'll find many things restricted. For example, I run a business and before I could even open a business account with my bank they had to do a credit check on me.

[@rickschucker9697]

@@Taylor23890 that’s because you didn’t pay your bills and now I’m supposed to feel sorry for you 😂. I don’t think so.❤

[@ladellbrown3462]

I've never understood why people use credit cards which means u don't have to pay for your purchase until four weeks later. If u don't have the money in your pockets then don't purchase the product🙉

[@nikkijackson2981]

Although relative in many ways to the current situation, this is years old.

[@lucydawson1344]

This programme is quite a few years old now. I remember seeing it before. I hope they’re all doing better now though

[@inerit5175]

now????? Now is 10 times worst!

[@MercurialRed9]

Much worse now. We have a cost of living crisis in the UK. The IMF and BoE have said it’s a combination of fuel costs, inflation, Covid, and most of all, Brexit.

[@traceycroxford8880]

It's very sad and there is much worse to come in 2023 😔

[@rochellekeels8026]

It's expensive to live and die😭😭😭

[@rochellekeels8026]

LORD SET US FREE, PLEASE,

[@stephendavies7805]

It’s easy ,wife works , husband works, don’t borrow what u can’t afford, money problems gone

[@lis819]

That video was so sad. I’ll take the lady’s advice and get help sooner rather than later. I hope it works out for that family.; blessings to them.

[@rochellekeels8026]

You have to reach out soon as soon, I'm going through it now, I'm two months behind, but if I would had waited, because of pride, I Thank God I took immediate action, God Bless, Happy Holidays 💜

[@chineloblessed4628]

We all need to help each other if we can. God blesses you so you can be a blessing to others that’s humanity

[@MaterLacrymarum]

If there's a God, why does he allow any of this to happen?

[@rajpalkahlon1815]

People wait for the last minute. My mom tough me long time ago to always save money for emergency. My wife and I have paid house and own apartment free and clear. Plenty of money saved up and helping others. Good days ahead. Do your best and hold tight.

[@rochellekeels8026]

Amen Amen Amen, thank you, God Bless ❤️🙏

[@adriennemuhammad2807]

Continued success!

[@natashadickson4819]

I see comments that this is an old documentary. Today, a single mum like Maria need not sell her car...use the car to do food deliveries instead. If you do 2 deliveries per day, you can earn at least 10 pounds. That's at least 70 pounds extra income per week. I'm in the US and I use my car to make food deliveries for Uber Eats and Doordash.

[@Taylor23890]

To be legally allowed to deliver food in exchange for money in the UK, you will need to take out a hire and reward insurance policy. It is possible to get insurance that combines SD&P and hire and reward insurance to cover both everyday use and delivery-related driving. So time you pay that do you make that extra ?

[@harley8680]

@@Taylor23890 and not to mention a baby and children. so many ignorant AF people on this thread! wtf is wrong with these judgemental people. How about going after the Baby daddies of the world and making them support their kids!!!

[@Taylor23890]

@@harley8680 would be nice if child maintenance services worked in favour of the children . Too many parents get away with not supporting their children

[@georginacat7667]

Petrol and insurance would barely be covered

[@destinieb2671]

Also the cost of car fuel in the UK is very expensive.

[@debrahill2272]

If Melvin would leave, his wife and children could move forward better..His attitude is frustrating and tiresome, his wife is carrying the family..I just watched a video of the super wealthy, now watching this video...It just doesn't seem fair..Some have so much when some don't have enough to live a simple basic life..

[@alimalrazi5202]

Wow ! Nice video. it's horrible, God Bless them all

[@BorntobeWild.]

This is just heart breaking.

[@dianestevens2659]

The people who have gone bankrupt seem to think they dont have to pay their bills, they are mistaken

[@shanmcdonough2933]

Think Windsor castle has extra rooms

[@anonymousanonymous870]

Exactly, no one wants to think about it due to fear of the royals .

[@aravis_]

I don't even have family in the UK to fall back on, am on my own and thinking of moving back to my previous country because the UK is going nuts with all these price increases everywhere. Everything but our salaries rises. Yes, most countries are struggling to some degree but the UK is going haywire and doing nothing to support the nation. It's beyond me how they dare to treat their hardworking people so poorly. There are so many UK nationals that moved out of the UK before this really started and I don't blame them.

[@martinspeer262]

The whole system that we live in is really sick

[@rochellekeels8026]

The poor get taken advantage of, One day 😭😭😭😭😭

[@angelaknight7184]

I’ve no words just a heavy heart

[@chenilleoneil1289]

For one, stop having kids.

[@eattherich9215]

Michael doesn't have any children and he is in dire straits.

[@vickimarlene4905]

I can’t believe they have to pay over $400 to go bankrupt. That’s kind of ironic isn’t it?it’s a joke.

[@denisepurser1398]

How do they get so much credit.

[@dianestevens2659]

Why are the doors kicked in? The father needs to get off his backside and work

[@pauljackson1975]

Where are the fathers?

[@eattherich9215]

Gone, but they should be paying child support.

[@specialtwice4975]

They went out to get milk and didn't come back.

[@andyp1031]

“Blessed are ye that hunger now: for ye shall be filled. Blessed are ye that weep now: for ye shall laugh.”

[@Astral207]

Melvin is a right sod I hope she left him

[@gugumohed]

The UK Govt must do more and immediate policies and effective strategies to help poor families for overcoming their financial crises right now. Do it now please!

[@888ssss]

why should other taxpayers pay your bills ?

[@colinchampollion4420]

@@888ssss exactly

[@888ssss]

@@colinchampollion4420 this trend of everybody trying to palm their lives bills onto others lol. dont they realise we are all having the same bills ?😆

[@colinchampollion4420]

@@888ssss I am sooo glad I paid off my house in March and I have car payments

[@888ssss]

@@colinchampollion4420 once they get enough left wing votes, they will vote to take away your property and give it to the needy.

[@suziwatkins5499]

Bless his heart 😢❤

[@jamiekenleyuk]

loosing the family home is one of my major fears. I really feal for that family going through that ordeal. what a shame, they should be coming to their retirement, not watching one of the major retirement goals disappear in front of them.

[@rochellekeels8026]

You definitely have to swallow your pride, I'm behind in my mortgage two months, I thank God I swallowed my pride, and seek help at once, yes I had fear, but I ask God for strength ,and he gave it to me, you can't let those payments add up, disaster, God Bless all, especially the kid's

[@tedoneilclark4710]

God bless them all. They are all so deserving and genuine. ♥️😢🙏 When was this made?

[@babatundeonabajo]

I wish the video went into more detail about the situation in 48:44. I will go into it here. When you go bankrupt, all your financial details will be seen by the Official Receiver for the last 6 years or so. Prior to bankruptcy or even being in debt, you need to treat all creditors equally. You aren't technically allowed to pay off one debt quicker than another as you might be accused of showing what is known in English law as "preference". This is why if you speak to some debt charities such as StepChange, if you take out one of their debt solutions such as a Debt Management Plan (DMP), any payments towards it is divided among all the creditors equally.

[@meelodeshmeeelo2034]

No, do your own, can’t remember what it’s called , actually it may be a DRO - debt relief order, you out down all your debts (rent and council tax are not applicable though) then you pay 90 ish and they are all WIPED OUT. I do not know why this isn’t common knowledge.

[@babatundeonabajo]

@@meelodeshmeeelo2034 It might be a DRO, that's true, but based on what was described in the video I don't think it is. Something to bear in mind is that bankruptcy and DROs are very, very similar to the point I sometimes wonder why DROs even exist.

[@shanmcdonough2933]

Great Awakening

[@debwilson5236]

Maria’s daughters are beautiful little angels ❤❤

[@tiffsjourney877]

Never owned a credit card and i wouldn't. I may not have much but at least i have no debt. 💯

[@pearlkelly6337]

I got excited to watch this thinking it was something new, but this video has been uploaded many times cos its at least 10 years old

[@robertaackerman6931]

Melvin should have gone back to work before it got to this point. She needs to get rid of him.

[@ravenblack2262]

I couldn't live with £440 dept let alone 44,000 how do people do that

[@jacksoncrate]

when we took out the mortgage it was 300 pound (singular not plural) now its 400 pound ( singular not plural). best thing ever said!

[@EricaSilva-fq9ed]

Melvins a big ol baby

[@thegeminiclub]

he United Kingdom, France, Sweden, Italy, Belgium, Denmark, Findland, Germany, Portugal, Spain, Austria, Greece, Japan, Netherlands, Switzerland, Iceland, Kuwait, Israel, Slovenia, Australia, South Korea, Estonia, Latvia, Israel, Canada, New Zealand, and the United States are the only countries that have welfare. I want every single country to have welfare from now on. I dread to think how families survive and cope without money if they can’t find employment. There’s absolutely no need for inflation or rising costs when ppl struggle to make ends meet

[@rochellekeels8026]

Amen Amen Amen Amen Amen Amen Amen Amen Amen Amen

[@JenCarew]

Ireland does too

[@jasmines-journey]

Has this been re uploaded I'm sure I watched this documentary a few months ago

[@Chelseax223]

Yes, the is a really old documentary 😊

[@Titanicdork133]

That first couple have zero money management skills and lack basic financial literacy

[@jacwindsor5552]

Kids just add stress and financial problems. Childfree by choice life rocks.

[@specialtwice4975]

I watched my mom (single mother) cry on the phone to family and friends at least once a week. I felt helpless as a child and wished I could give her money or do something to change our circumstance, (I knew about it, I could see it) but I couldn't, I was a kid. No child should have to stress about that or watch their parent cry because there is not enough money for groceries. I don't have kids because I know it costs a lot to have them and I can barely afford myself. If you don't have kids yet, only have them if you have a good yearly income to afford them because then they struggle too.

[@jacwindsor5552]

@@specialtwice4975 exactly

[@lorrainegalletley9711]

Yes thats correct this planet and the way thw world is today is not fit for kids ladies close your legs

[@babytt8487]

@@lorrainegalletley9711 why do you anti-life/anti-nature people love telling women what to do???? Smh

[@Mabrrrr]

Till you're old and alone 😅 you will envy us ask the old and lonely 😢

[@kittyfeline6857]

Am I not seeing clearly, if they all lived in one bedroom couldn't they rent out the others and save their house? Desperate times desperate measures.

[@shirleyhunt8769]

Praying for these poor people and their children for their needs to be met in Jesus name amen

[@mama_keikei8081]

Man, the US over here is just as bad. It’s scary everywhere

[@RoseBornagain]

This episode is 14 years old. Now is much worst, we C19 and all skyrocketing, like food and bills.

[@-_-11k52]

Never borrow on your house.

[@MaterLacrymarum]

It's an English disease. People use their homes as a personal bank account.

[@meilih2030]

The prices went sky rocket like probably 40%

[@acajudi100]

Move to a less expensive and safe county, if on a pension, or can work online. Take only a suitcase or two.

[@skyepalmer5719]

Was this filmed in the last cost of living crisis, 2008 or this recent one?

[@shanshan3903]

2008

[@kristinesharp6286]

2004

[@acajudi100]

I am 80 and have been visiting and living in Acapulco since age 20. I moved to Queretaro in 2021 at 79. , because USA is too deadly and expensive. You are so correct. You must do your homework, no matter, where you travel. My late husband and his fellow limosine drivers drove 3 times from Chicago to Acapulco. I would never drive there, and had to stop driving in the USA, and you know why. I am always ready to defend myself , no matter where I live. Harvest the organs of all criminals. I do speak Spanish as a second language. Karma never loses an address. I always use local drivers, and order my groceries etc. online.

[@berylroberts131]

The men who struggle, are the ones who are there, working to provide for their children.

[@maltesemommabark5147]

this is from years ago.

[@alisongregory9133]

It makes way for these children they are our that need caring about

[@lostpropertyguy7862]

Eeeeh heeeem , this is a Story about struggling debt ridden individuals, who in the face of severe hardship , put on what I see a lot a brave facaded face that is invisible to the institution’s who claim to care. It’s a Story about nobody cares about your problems of past incurred debt , that worry people today , and finally it’s a cautionary tale about be wise with your finances. What’s cool today , is yesterday’s news tomorrow and that tomorrow comes quicker than you think. Than not at all. Thank you , bless and always Stay Safe

[@spuddy4845]

there's a famine coming, no deliveries to kfc mcdonalds or any fast food shops, you need to stock up on food at home or you'll starve

[@rochellekeels8026]

Amen Amen Amen Amen Amen

[@meelodeshmeeelo2034]

Anyone reading this with debts excluding rent / mortgage and council tax you can do what is called a DRO - debt relief order, you put down all your debts and they are WIPED, legally wiped for a one off fee of 90 quid ish (it was 90 in 2014).

[@kristinesharp6286]

This aired about 20 years ago.

[@4spremilimone]

Financial education!!! 39% interest!!!