If I'm honest this is to help towards a situation i created myself and I am trying to get myself out of. Over the past 4 years i have changed career a couple of times for various reasons. As a result i found my outgoings increasing and my income decreasing. This has now put me in a situation where I struggle, it is causing me stress and high blood pressure as a result. I would like to get from under the dark cloud that is over me but I am finding it hard. I don't want to go into the next 5 years getting deeper in. i have worked out how much i need to raise and it is a lot more than I have put. That being said this would help tremendously towards what i am trying to achieve and that is to have a financially more stable future for my family. small amounts add up and small gestures can mean the world, I do try each day to be a better person than I was the previous. Any help is greatly appreciated. Thank you all.