Help to sort out my debt

SparciaM

I pay my car tax, insurance all unfront. Insurance is £200 a year and tax is £100 something. I had the money at the time so I'm all paid up in regards to my car until Oct this year when MOT and tax is due again.

If I sold my car I'd only end up getting £300 max and then I'd be stuck with a 1.5hr commute on the bus at over £10 a week minimum for the privelage. I don't pay for carparking and always take lunch in. The only thing my petrol is for is driving to and from work and commuting to the shops now and then.

I don't visit any places for health costs - ie Dentist, Opticians.

I'm even doing that Kellogs diet thing (Cereal breakfast, proper lunch and cereal dinner) to say cash! I must say it does work a bit. My main problem is socialising I think, as every trip out to town is a minimum of £10 on 3 drinks!!! Manc city centre is getting worse and worse.

One thing I don't budget for is when my car had to go in for serious repairs today. Hence half has gone on cc and the other half paid by parents. I can't live back home as they live 1hr away from me and I've been living away from home for nearly 6 years now and somehow managed to live!

I'm applying for more jobs and I'm up for a pay rise in April (prob not a lot though), but things just seem to be moving very slowly!

Hopefully I can get my staff 4.5% bank loan and cut my repayments down that way.