Help with debt

axelf45

Hi hope somebody can help me.

My financial situation is the following.

I currently earn 1020 pound a month after tax. The problem is i have the following outgoings:

Beneficial finance £267
Welcome finance £90
Gym 12 months subscription £55
Sky tv and broadband subscription £50
Mobile Fone bill which i im in arrears with but is now cancelled £ 50
Food £60


but here are my killer blows. i was styupid enough to be tempted by those payday loan on the net and currently i owe 2 seperate companie 375 each which i pay on seperate months if that makes sense.

so in total my outgoings is £947

this makes me having to continously borrow from those payday loans. I cant ask my dad to help as he works away and struggles himself. my bank wont have anything to do with me and im struggling to cope at the minute .

Does anybody know a reputable companie in which i could consolidate my existing loads and pay off my payday loans or have any advice. My credit rating is not the best hence im with welcome finance.

Regards Gavin