thanks for the help so far, I have sat down with my boyfriend and worked things out for the first time - obviously there was some shouting, crying etc but the main thing is we have agreed to help each other through this- phew. He has asked me to start paying rent and council tax as he has been offered a supervisory role at work and will loose his benefit . This is something he wants to do career wise so I can't say no - he has been trying to tell me since the first day back this year , but it puts me in even worse financial situation, he wont get enough to cover everything so I will have to pay my way in full. Still everything seems to be out in the open now.
I have a current bank account which is in overdraft but this is where my wages go ,I also have a credit card and loan with same bank - how do I offer them a nominal payment as suggested previously in line with the other creditors, Should I open another account with different bank to have my wages paid in and for the utility monthly DD and rent to go out of ? , then offer old bank and everyone else the same payment with whats left ? Will I be able to keep this up unil I cal petition for bankruptcy in June after I graduate?
The other query I have is I read on this site that 200.00 is the amount for living / household expences does this include utility bills, ?