I've been there too guest - a result of living in cloud cuckoo land and just borrowing more and more on credit cards until it all became completely unmanageable.

Still pulling myself out of the mess. But I do think that once you admit it to yourself, you're half way to solving it, if that makes sense.

Good luck with it all. Check out CAB and do let us know how you get on.

Cheers,

Catrin