Facing up to the facts time :(

jbarnsie

Have you got anything you could sell on Ebay/Amazon etc to raise some cash to throw at your debts?[/quote]

Not really i have already done this a few months previously as well as paying off an even higher rate card with a large bonus from work.

thanks for your kind welcome anyway

RAS

You may find that it is the stuff in that £500 for the bills that can be tackled to find you and your partner some spare cash. Then you can pay things off quicker.

jbarnsie

im sure thats correct

i will have another look on saturday after posting my soa , many many thanks for the help so far

cheers

*Paris*

Hi, it's not not easy to look at the credit card balances, so well done!

I work for another bank, and we get a staff rate on credit cards and overdrafts as well as personal loans - can Barclays offer you any staff rates on these?

Also, I don't know how Barclays is, but my company can be very strict about staff conducting their finances in a proper manner, so I think I would look after your Barclays account and loan first!

Good luck x

PinkTwirl

Welcome!

It takes courage to post for the first time and admitting how much debt is actually lurking. You will get there.

Your rent and bills look really high. Looks like you have around £24K of debt. It can be done and there is plenty of good advice on here I have had from other posters in my first week of posting

jbarnsie

"I work for another bank, and we get a staff rate on credit cards and overdrafts as well as personal loans - can Barclays offer you any staff rates on these?"

well the staff loan is fixed at a low rate (6.2%) and does allow for overpayments, the credit cards are just standard barclaycards.

i never ever exceed my current account overdraft as these are monitored and its frowned upon to run your account poorly.

jbarnsie

ok

i had a good chat with my partner over the weekend and she has kindly refused to accept the £150 for the shopping anymore.

i want to use all of this to help pay of my debts, i am going to post again on this thread when i have received all of this months bills to make sure i have got the interest rates i am paying correct e.t.c

i will then look for advice as to which to pay off first

again many thanks