I'm at my wits end so thought I'd seek advice on here, a forum most closely linked to my employment (support role in education). Divorced now ten years with teenage aged children. When this occurred I was a teacher, but now I am in a much less well paid support role. The divorce decreed I should pay approx. 15% earnings to my former wife in child maintenance. This I have done, until recently, although the amount has varied, due to my change in role and it was intermittent during a period of supply work, around 2013-15. Over the last couple of years, I have basically been outlaying more than I earn and relying on savings then overdrafts then c.cards etc. to get by including paying for my parental responsibilities. I now find that my abilty to obtain further loans/credit has been exhausted. Last month although very frugal myself, I found I was basically breaking even, without sending any money to pay for my kids. My ex hasn't pressured me for money (yet), at the very outset she did threaten to involve the CSA, but that was never followed through, so my payments have always been paid and accepted informally & without going through that system. I now want to know where I stand and what could happen next. Should I try to continue to pay something, or could I actually be better off asking her to go through with a CSA application and have them intervene? P.S. I do see my children 2 weekends a month which is great. I mention this because I know that having them stay with me so many nights in a year impacts on how these sums are calculated, but I'm not sure how long that can continue. The next possible saving I could make would be to take my car off the road, I do live walking distance from work, but I'm reluctant to go down that path, as to see my kids a car journey is needed. I have considered the Citizens Advice Bureaux, but I thought I would ask for advice on here, first. The marriage breakup was initiated by her, but I don't know if that is relevant in relation to financial payments now. Furthermore, my ex-wife is in a new relationship and therefore is a two-income household again, whilst I'm not. This doesn't bother me on an emotional level and again I assume it has no bearing on the financial issues, or does it? In a nutshell, when I divorced, 15% of my teacher pay left me plenty for my own rent/food/bills etc. with some disposable income left-over too. 15% of my current wage though is a big chunk, too big, as it turns out. These are the things I need advice on, many thanks, in advance, if anyone can help. Finally, is this the correct place for this type of 'problem' I did consider posting in 'Personal'?