Best solution for me

25male

Hi, im very new to all this so very confused.
Ive been on few sites looked at debt help and went round in circles.
I owe £3000 over draft, £5000 credit card and £9000 loan.
Im not a home owner and have £180 left each month.

Tixy

Hi

Can you meet your current minimum repayments on your debts?
Have you tried completing a detailed budget/statement of affairs to see what you need for living costs and how much you have left for debt repayments? If not this would be a sensible starting point - see this link - http://www.makesenseofcards.com/soacalc.html

and also worth a read of this thread -
The Big Guide to Becoming Debt Free

Hannah_10

As Tixy rightly already said, the Big Guide is good and you should show us your SOA (there is a button to format for MSE). There is no debt problem without a solution, something will be right for you, we just need a little more info before we help you identify which solution.

25male

Hi After ive paid everything petrol rent other bills im left with £180. Plus £20 for myself.
My credit card min balance is £105 and my loan payment is £155 so they come to £260 im £80 short each month.
Would like a debt consolidation loan but hard to find a site all i find is people that search for you and they ring you like 100 times a day.

GeorgieFTB

Honestly 25, we need your details to be able to help. There is so much expertise on this forum that there will be a solution, it might not be pretty but it will work if you try.

The other thing you might think about doing is a spending diary, all the little things add up, you might not think you spend any money, I do it, I'll just have a coffee, **or another pint**

Once we have your SOA it will be scarey and unpleasent but nessesary to know where you are.

Good luck
Gx

tallyhoh

25male wrote: »

Hi After ive paid everything petrol rent other bills im left with £180. Plus £20 for myself.
My credit card min balance is £105 and my loan payment is £155 so they come to £260 im £80 short each month.
Would like a debt consolidation loan but hard to find a site all i find is people that search for you and they ring you like 100 times a day.

Whats the point of consolidating your debts, you still have to pay them? As already pointed out- more details would help.;)