Best way to borrow £300-500?

Lakxx

Hey

I am a regular user of the site but I just can't seem to fathom the best way about going round borrowing £300-500.

It's simply for the fact that I over spent last month and need to borrow some money so I can afford to live this month! I have nothing and no-one I can borrow off either, and I'm petrified it's going to snowball.

I have a £3000 unsecured loan with halifax which I am always 100% up to date with payments so should imagine my credit rating is quite good. The min I can increase that by is £1000 and it's not something I really want to extend the time period on.

My other two options are credit cards (which scare the hell out of me!) or extending my overdraft which is currently sat at £250.

Also I can attempt to sell as much personal belongings as possible but I don't really have a lot in all honesty. I already work three jobs as it is but I am only 10k a year for a 40 hour job then work surplus of 20-30 hours on top of that on minimum wage, but both jobs have cut hours and realistically I'm left with around £60 for fuel and food and general living!

I don't know what to do!
Any help appreciated!

jonesMUFCforever

Consider asking your bank for an overdraft.
Failing that if your credit files are clean try for a 0% purchases card - use this for day to day purchases to release funds that you would otherwise have used.