My husband and I had our income reduced 18months ago. We arranged informal arrangements with our creditors to reduce our payments. However when we did this we didn't factor in dental expenses and prescription cost. Birthdays, christmas' and car maintenance. We have borrowed off our friends and family and we need to pay them back £800. We have called our creditors but as we've not fell behind with any payments yet they aren't helpful in reducing our payments as our wages are the same, in fact some of them want us to increase our payments. This month we are now going to be forced not to pay them as some family members want their money back and our cars MOT is due. I'm not sure what to allow (money wise) in the household budget. If someone can help me I could at least send the creditors a breakdown which might help them reduce our monthly spend. We owe £45000 approx and bring in before any bills or expenditure £2100 approx.
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