Debt Help: Christians Against Poverty

If you are struggling with debt and don't know where to turn then maybe you should consider calling Christians Against Poverty on 0800 328 0006. They provide FREE debt counselling for everyone (you don't have to be a Christian) and as a charity they are not in it for profit but just to help. They have been endorsed by Martin Lewis the Money Saving Expert as well as banks and the courts as a great way to get out of debt. 


Instead of going to visit them they come and visit you in your home so its much more relaxed. This is their first of their "steps to freedom" where a Debt Coach and Support Worker take down all the financial details. They then send this off to the head office where a financial adviser works out a realistic and effect budget for your Debt Coach to bring back to discuss with you at your home.


Once this agreed you open up a special account with the organisation so that they can distribute money to your creditors and make sure your bills are paid. CAP will negotiate with any banks you owe money to so that there is a sensible payment plan. It is also possible to use this account to make savings or a voluntary donation to the charity.


If your debts are too great then they will help you through insolvency (bankruptcy) and assist with form filling and attend court with you.  As long as you work with them they will carry on assisting you until your debts are all gone.


So stop having sleepless nights and avoiding opening post or answering the phone and give them a call!

Worth the effort?

I spent nearly an hour this morning lugging boxes from the 3rd floor attic and bags from out 1st floor bedroom to load up the car for a table sale in Westfield. Then I had to shift them all in to the building and set-up my table. Very kindly I was given a 2nd table for free as I had too much stuff!!

So there I am with loads of baby clothes, toys, adult books and some random surplus stuff already to go and stump up my £6. Kids have stopped being pains in the bottom and are running around having fun. Lots of sellers but where are the buyers?? I eventually sold 4 items of kids clothing, 4 Top Trumps games, 1 baby toy and 2 books!! All that work to just cover the cost...

I was determined that things will not be put back up in the attic so at the suggestion of another stall holder I drove up to the local hospital and donated a huge box of paperbacks to the Friends of the Conquest. These will either be sold to raise money or used on the wards. So my debt mountain may not have gone down but I have a lot less in my attic and I can feel the rosy glow from my charity work!

Some of the clutter is up on Freecycle. The remaining baby things are going to be better sorted and hopefully will go and the children's nearly new in Uckfield on the 7th. Going to sell those as well as have an Usborne book stall and hope that between them they cover the £12 cost!

Oh and when we got back 1/2 of Hastings was blacked out due to a power failure including our house and the main traffic lights! So it was down to Cosmo for dinner...

Currently starting to feel my declutter workout's effect on my body.... not sure I'll be able to walk tomorrow...