When my DD was 4 weeks old my husband was in a RTC with a tractor that hit his car and wrote it off. He hurt his back enoigh to have to take time off from work, we had to find a new car as the written off car was classed as worthless by the insurance conpany. husband was then made redundant fron his job leading to 6 months unemployed. So all in all we had to live on credit to get another car, clothes and equipment for a new baby...it all mounted up. I would love to get us out of debt so we can do things we would like to do as a family but cant afford to as we are in that circle of credit rutt constatly trying to pay it off. I always dreamed of being able to spoil my now 3 year old, but instead we live on the bread line. I dream of pretty things and holidays for her.