u/GC95_

Currently I have around 30Kish in debt mainly in personal loans and credit cards built up when my husband lost his job just trying to survive as a family we have 1 child.

Now we both have jobs but struggle to have anything left over and end up relying on more credit for unexpected expenses. We only have a disposable income of around £300 a month after all bills, food, fuel so feeling impossible to pay this all down. We have no missed payments or defaults but it’s feeling more difficult to keep this all up.

We own a home but have lived in it only a little over 5 years so it doesn’t have enough equity % to remortgage to help the situation.

Each roughly has a 11% interest rate.

11k loan
5k loan
6k loan
6k loan
Around 3K across 2 credit cards.

What would you do?

I knew using iPads in class was a thing for older children but was genuinely quite shocked this week to learn my 4 year old is using an iPad in the school day to play games to ‘enhance learning’.

What’s your opinion. Should technology be so heavily relied upon for education?

My kid does watch tv and is not by any means a no screen time child but feels so lazy of the school system to have 4 year olds self teaching for periods of the day from iPads.