Any advise......

eyesofcinderella

In a nut shell........
Loan £11000 over 6 years pay £206 p/m
Barclaycard £700 pay £15 p/m
Egg Card £900 pay £22 p/m
O/D £200

Income £900 p/m
Outgoings £860 p/m (Rent/CT/Loan/CC & utilities)

O/D is currently expanding at a rapid rate ant will continue to do so!

N.B The 2 credits cards are the result of transfering 2 other O/D's as they were 0% on B/T's. Still paying interest on both though, why?

milliemonster

Do your outgoings above include your CC repayments?, if so you have a £40 surplus each month which is good news, you need to look at learning to stick within your budget, can you do a full SOA so we can help you to see where to cut back? the link is here http://www.makesenseofcards.com/

I don't know why you are paying interest on a 0% deal, have you queried it with your CC company?, have you missed any payments or been late at all? as they will stop the deal if this has happened

fudgecat

Are you sure that the monthly amounts you are paying are interest or might they be minimum payments each month, but without interest? It is really worth posting an SOA, as it makes you sit down and list everysingle item of expenditure. I know when I did mine, there were all sorts of things I would not have thought of including if it were not for the prompt boxes.
Very best of luck to you.

eyesofcinderella

These (apart from fuel) are the direct debits that come out of my bank account each month.

Rent £465 1st
Council Tax £104 1st
Loan £206.90 7th
Pet Ins. £11.99 2nd
Bike Ins £8.60
Egg £22.22 4th
Barclaycard £15.00 22nd
RAC £11.00 17th
Tiscali B/Band £12.98 4th
Mobile £10.00 every month and a half ish
Bike Fuel £20.00

Guess my adding up isn't much cop either! No wander I'm in the poo.
I haven't my Barclaycard statement to hand but it stated that £12 of the £15 was interest.

milliemonster

you really need to do a full SOA