Buying a House and concerned!

medrep

I have moved my post to Loans section.

thanks

Medrep

skintchick

Could you list your outgoings please?

And do you have to buy a house right now? It seems silly to burden yourself with extra debt until you have these ones sorted out.

black-saturn

If you posted all your monthly incomings and outgoings we could come up with some suggestions to help. The biggest bit of advice I have is to pay off the debt with the highest interest first (while still making the minimum payments on the others) as this is the one which is costing you the most money.

skintchick

All of those are way too high!
If you're serious about hammering that debt, then you really can't afford £200 a month on going out!! Likewise clothes. Likewise toiletries (how do you actually get thorugh a tenner of toiletries a month?)

Also, I am single and spend maximum £60 a month on food - you are spending double that.

I don;t really understand what you are asking for advice on? Is it on finding more money to pay off your debts?

Can you use the savings to pay off your debt? Sorry if I'm being thick but I don;t understand what you're asking us to help with.

black-saturn

OMG I cant believe what you spend.

You could cut your socialising down to £10 PW or nothing.
£30 PW on food when your living with your parents?
Instead of paying £100 PM on clothes make do with the ones you've got, shop at second hand shops or ebay.
Cut toiletries down to £5 PM or less.

All this gives you about £280 PM which could be going on paying off your debts. When your in debt you have to live as if you are unemployed until you have paid it off. Otherwise you will be in debt for years and years to come.

skintchick

Don't think he liked what we said - he's gone off to Loans!!