Hi Monica
I wish I could advise you – 100 grand is so little in the great scheme of the world and such a huge amount when we are the people owing it .
I think if I were you I would ring the credit cards and get them moved to a debt repayment agency where U pay what you can afford – keep repayments small and just let the balances come down over time – then you can write them off your over all debt .
– I have just received a statement from one which I have been paying a tenner a month to for around six years and I only owe £90 on it now . I have cleared quite a few This way – For example I have one i pay 100 a month to – it stops the letters , the phone calls and the stress. They will never harass you for more than you can pay – I have even had companies trying to stop me paying because they felt I couldn’t afford it ( that’s the tenner one).
That will mean you can focus on the taxes – but leave that for another day . It will mean if you get good pay you can make a few substantial payments towards them quite quickly.
The 12 hour days are hard- perhaps you might consider doing a course which you could study in the train – I know u love education. How about a language so when you take that four month cruise , you will be able to practice it?
Monica there is a way round this – start with the things you can do and then drag the others out .
I hope this is helpful !