Advice please :)

skint-at-19

Ive done that and it shows i have £111 spare a month.
However this just doesn't seem to stretch.
I will manage

smartpicture

Post the SOA on the DFW board, and they will spot the things you're not seeing, honestly. You need someone on the outside to look at it.

BitterAndTwisted

Please don't forget that getting only a couple of hours sleep a night could compromise your ability to carry on working and paying off those debts at all. Consolidation loans are often not the best way to pay off your debts, so please accept the advice to do an SOA on the DFW forum.

Six and half grand might seem like an awful lot and it is but there are other people out there carrying a heck of lot more and getting to grips with it, so you probably can as well. Then you might be able to sleep at night a bit better than you are at the moment.

skint-at-19

Im not having trouble sleeping hun, its the only sleep available as im working until 3 am, then starting my other job at 7am.

Proc

I know £6,500 ain't much, but how do you manage to get into this kind of debt by the age of 19?

skint-at-19

I completed a Personal Training course, but had to get it on finance which is £4000 then its catalogues, and £300 car payment left.

feelinggood_2

Have you had any luck reclaiming the money from your Mum? Is there not any action you can take, as your Mum took loans out in your name?

What was the training course?

Pollycat

skint-at-19 wrote: »

Ive done that and it shows i have £111 spare a month.
However this just doesn't seem to stretch.
I will manage

As Smartpicture says, post your SOA on the DFW board, you'll get advice on where to make savings.

What do you mean that the £111 left over 'doesn't stretch'?
Are you saying you don't have this left over each month?

That'll be becuase you have money in your purse that you're spending on 'stuff' and not accounting for it.

It could be coffees or soft drinks at work, lunches, birthday cards, newspapers/magazines - anything at all.

The only way to find out where this money is going is to keep a spending diary and put EVERYTHING down in it.

Lotus-eater

skint-at-19 wrote: »

Im not having trouble sleeping hun, its the only sleep available as im working until 3 am, then starting my other job at 7am.

I would say you can't do that, it will kill you.

And that's from someone who almost had a breakdown because I was working so hard when I was younger.

Post on DFW, give your full SOA, take advice. When you've taken the advice, you should be able to lower your payments meaning you can stop one of your jobs.

skint-at-19

I do feel as though i'm going to have a breakdown, also feel as though i don't have a life.

No, my mum didn't take any loans out, she got items from a catalogue, but will never get that from her.
She applied for several loans and got declined from them all, which has led to my credit file being rubbish.