Please help

reecy_2

Thanks for the welcome Happytogetdebtfree and thanks ever so much for working the loan out daviesalie and theoretica, it's actually less than I thought it was (maths isn't my strong point, can you tell?)

Total debt is £13,391.93

Foxgloves and tealady I'm going to check that bank charge, it's been on there for years so I've completely forgotton what it's for, we're ALWAYS overdrawn each month so maybe thats what it is? I'll check tomorrow. It's a Natwest gold account.

Corona I'm going to put £2 a week aside for birthdays, it's not much, in fact it'll only add up to £48 by September but I'm going to tell everyone we're on a strict spending diet so they won't be expecting anything lavish this year. They'll have to make do with my love instead

I've decided to try and pack up smoking next Monday, my dads going to stop with me so fingers crossed for that. Scares the life out of me but it's got to be done.
We've changed up the penny jar and there was £108 in there! We're going to live on that this week, oh gosh I've just remembered we've got another joint account thats £600 overdrawn . Total debt is £13,991.93.

I've just spent the day making an elaborate sealed pot with the kids, it's taken us about 3 hours and it's not even finished but it's keep us busy and stopped us spending money. Quite chuffed with the way it's turned out actually!

I'm putting some stuff on Ebay tomorrow and going to ask for some extra shifts at work, what do I do with any extra money I make? Should I put it on the loans or the overdraft? I don't even know how to pay extra money on the loans but I'll find out.
Sorry for all the questions, I'm still trying to get my head round it all and it's a bit overwhelming.