Stumped konw?

cjmarc

Owe on 4 credit cards been trying to swap in the last 2 days for 0%cards been declined by a few.Also tryed for a loan been refused twice had a phone call last night from freedom finance saying they will find a lender anyway cut a long story short phoned today and offered me the loan but the monthly payments were double what i'm paying at the moment.
money owed on the cards is 16k ,i'm have been just paying minium payments and have been late a few times 1 day over due to being weekends or bank hols when payment was due.any ideas as to my next plan of action or shall i just keep going on until things start picking up a bit.
many thanks
marc

dolally_2

Get yourself over to the debt free wannabe section, sounds like you need to take a proper look at exactly what shape your finances are in. Write down every last bit of expenditure and compare it to your income then post it on the DFW section and you will get loads of advice.

Don't forget to pay bills early enough so that weekends and bank holidays don't stop them getting paid on time - the last thing you need is extra charges.

Make this your lightbulb moment!!

cjmarc

cheers buddy will sort that tonight and post in that section