WE NEED HELP WITH OUR FINANCES
Q. My wife and I are seriously struggling with our finances. In 2018 I had to stop working due to illness, I’m now back to work but we just can’t get on top of things. Our mortgage is in arrears and I have credit card debts that I can’t pay. We have cut back on everything possible; our food bill is down to the bare essentials at this stage. I know things are only going to get worse once the winter hits and energy bills soar. What do you advise? Terence – Greystones Co Wicklow