cheques till payday mess

skint85

I did a few cheques till payday a while back and Ive got into a mess with them and cant alawys pay them off so end up extending them for another month. Im wanting to get out of this mess and would like to hear from anyone who has been in a similar situaton
Thanks

OberonSH

Hi, and welcome to the site.

Te first thing I would do, is sit down and wrk out a budget, here we call it an SOA (Statement of Affairs). Write down everything that you pay out, and everything you have coming in. That way we can all help you get the outgoings to less that the incomings, so hopefully you won;t need the cheques any more.

You're in the right place for help. Sort out the figures, and I'm sure we can help you cut down anything you don;t need to get you out the mess.

RAS

Hi

You needs to post your Statement of Affairs so we can see if there is any way of sorting it out.

Have a read of this thread as well http://forums.moneysavingexpert.com/showthread.html?t=1036871&highlight=payday+loans and I know Hobsch has recently started working his way out of this too. His employer helped out.

Thoughts for emergency money raising to cut you need for the loans.

Do you have stuff round the place that you could take to a car boot sale or put on amazon?

Head over to the Money Saving Old Style board and ask their help with a Storecupboard Challenge. You list everything in the cupboards and the freezer and they help you work out ways of feeding yourself as long as possible.

Read the £10 per day challenge on here and look at the boost your income tab at the top of the page.