help with my 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 .

just looking for clues on what i should do. im also a very sociable person with my mates but recently ive stopped due my money and this is currenly changing my personality

Regards Gavin

LilacPixie

Any chance you could earn extra cash?? bar job in the evenings maybe. Extra cash plus socialising.

axelf45

im currently working 5 days a week and will be attending college night classes twice a week whoch last four hours. i believe this will exhaust myself. My only option i think is to try and get a loan to consolidate what i have

axelf45

does anybody think that i should try and consolidate ro any other ideas