newbie please help

stationairy

i do see what you are saying
the insurance is cheapest as am only 23
the bit about money left over i forgot water gas and electric which comes to £50 per month
and also the £50 for sometimes comes to more

now i dont understand how a conslidation loan would not be best
as at the moment only paying minum on cc card nothing on the overdraft
then each month i have about £50 a month to live on and thats with no surprise no car tax, no nothing

where as with a consilidation loan it all one i no how much i am paying each month and how long left

and still have money to pay for things like emergency and stuff

no i am open to all options, it just feels at the moment i have a huge waight on my head

so any help would be appreciated

also with the car finance if i did go down the consolidation route has any one had any dealing with these companys and no wether they would take a less amount then they are currently offering