u/No-Staff2624

Thanks in advance for any advice.

I'm cutting a very long and complicated story short because, right now, I really just need financial advice, nothing else.

My husband is going through a very difficult time financially. It's partly his fault (he's never been very good with money) and partly due to very bad luck (a lot of things have happened all at once). Point is that he now has more debt than he can realistically repay.

My financial situation is good and stable enough to cover our household expenses (rent, food, bills, and pretty much everything else), but it's not great enough to cover his debt repayments as well.

A bit more context:

We have separate bank accounts.

I have a savings account in my name only.

We used to have a joint bank account (along with our two individual ones), but we closed it about six months ago.

My husband has three personal loans and one credit card, all in his name only. I have never acted as a guarantor for any of them.

We do not have a mortgage, a car, or any other major assets in both our names.

His total debt is around 8k including the credit card.

My savings have already taken a hit because of this situation, and I'm no longer willing to use them to cover his debts.

So my question is: what do I risk, and how might I be affected if my husband starts missing repayments or, worst case scenario, defaults on one of his accounts? Could it affect my credit score, just because we're married?

Hi everyone,

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I'm considering doing some volunteering and I'm particularly interested in organisations that work with children, children with special needs, or single mothers/families who need additional support.

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I'd love to hear from people who have first-hand experience volunteering with any charities or organisations in these areas, so I was wondering if anyone here was willing to share? What was your experience like? Did you feel well supported and properly trained? Did you feel the organisation was making a genuine impact?

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The reason I'm asking specifically for first-hand experiences is that many volunteer applications seem to involve quite a lengthy process (forms, interviews, references, DBS checks, training, etc.), which is completely understandable when working with vulnerable people. However, I'd like to get a better sense of an organisation before committing to a long application process, just to make sure it's a good fit and that I genuinely connect with the charity's work and culture.

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I'm not looking for anything specific at this stage, just honest experiences, recommendations, or even organisations you would avoid.

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Thanks in advance! I'd really appreciate any insights. 😊

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(I live in W10, but I can travel)

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