Oh, Sianbach!

It's horrid, isn't it? I've been seeing a debt counsellor for about 6 months now and it was the best thing I ever did! I agree about getting your daughter to pay her way with her phone - perhaps an introduction to your household finances might be helpful to make her understand the situation better? She's old enough to take a bit more responsibility for the impact she has!

I wish your hubby all the best in his job hunt, and I'm sure it won't be long until he's back in work - even with the crunch, people just won't stop building...