Severe Financial Crisis

team_sainsburys

Appreciated advice, I'm sure you will appreciate it's sometimes hard to work out what people are meaning when they just type.

Self Denial is true, however these holidays were agreed a while back, sort of September time, so it's clear that I didn't take stock of what the situation was with regard to finance.

Credit Card is a definite no no, good deal, but I am against Credit Cards, without doubt.

kierangray1982

to get me BBC to get me into a good Uni.

Dont get to preoccupied by your financial situation, just work hard at school. Try and get better than BBC. If AAA is not realistic, push for BBB or ABB, you can get into far better universities, and you will be better off for it when looking for jobs in 3/4 years time. In the end of the day, the name of the institutions is almost as important as which degree classification you get.

I spent most of my time at uni worrying about money. Just forget it for the time. That may not the be best attitude to have, but it enabled me to knuckle down, get a great result for an excellent uni, and a good job.

My debts are now gone in under 1 year

glasgowc

if you have a fd and a hsbc account get the 200 quid transferred from fd overdraft to hsbc and get the hsbc account shut. consolidating your 500 quid fd od and your laptop debt which i imagine is on high apr plus the money you need for these holidays into a personal loan is an option for you, take say 2k over 2 years or take 3k to get a better rate with fd. if you do that your finances will be stable look to get your fd od put down to 250 or lower, the lower the od the less temptation you have, people see od's as an extension to their money when its not that at all, at fd you will be paying 9.9% on that od raising to 19.9% if you go over your limit. consolidating everything together may not be best for you but its certainly something to look into.