Advice needed

2makeit

Thanks for the advice,
I need a car to get to work as start very early and its a distance away+long hours). I know a good mechanic -good price for major things but can do other work myself.
Am trying to do work on vehicles and make some money.
Food bills are a bit over and usually do a bulk shop which lasts longer.
Lodger might be a help towards bills.(its getting a good one)


Credit cards- is there a limit, if i was to try and get a card that would cover them both on 0% balance transfer?(which one?)
think they are 19.5% as longer than 1 year

Loans- i thought about putting them on my mortgage(is this good or better paying loans?)


Its the loans and credit cards that are the problems.

Annie_Fanny

2makeit - the bottom line is that you need to increase your income. Can you get a part time job, sell stuff on ebay?

Putting debt onto a mortgage is rarely a good idea as it will become secured debt. It will also not teach you any of the valuable skills that mean you can lead as debt free life - i.e. budgeting, frugal living etc etc

lynzpower

2makeit wrote:

Thanks for the advice,
I need a car to get to work as start very early and its a distance away+long hours). I know a good mechanic -good price for major things but can do other work myself.
Am trying to do work on vehicles and make some money.
Food bills are a bit over and usually do a bulk shop which lasts longer.
Lodger might be a help towards bills.(its getting a good one)


Credit cards- is there a limit, if i was to try and get a card that would cover them both on 0% balance transfer?(which one?)
think they are 19.5% as longer than 1 year

Loans- i thought about putting them on my mortgage(is this good or better paying loans?)


Its the loans and credit cards that are the problems.

Where abouts in the UK are you? As an example I charge my lodger 500pcm all inclusive. ( i agree about finding a good one, mines on her way out, but Ive had some great people before, mates though) Certainly this sort of income will do you a massive favour in terms of getting the loans right down

Additionally if you can get a second job then all the better, and this money could go straight at your debts, getting you DF quicker.