Need help - things getting on top of me!

cloudcuckooland_3

Hi Sosad,

I'm impressed you seem to be making inroads into your debt already! As you can see from my signature I am in for the long haul (27K to go).
I was wondering about your car insurance. I pay 20.00 a month although obviously it depends on a lot of factors - so maybe worth going on a comparison website to see if you can do better?
Re barbiedoll's suggestion about extra work - this is a great idea because even when you have got on top of your debts you may still want to do this to up your standard of living. It's depressing to have to constantly be living on the breadline.
I too am single although also have a teenage daughter. I have taken on some extra care work to up my income - this may not sound appealing but it helps me because it puts my debts into context, ie if you have your health you actually have a lot. I work with the elderly and also a young woman with muliple sclerosis. She also employs me privately as her personal assistant - the government is giving disabled and disadvantaged people control over their own benefits by encouraging them to choose their care providers so there are a lot more opportunities for private one to one assistants rather than big care providers.
You could try advertising locally stating your availability and see what happens. A lot of this sort of work is never advertised and you have to go and look for it.
Don't worry if you have no experience, neither had I.
I found if I focussed on helping someone else it took my mind off my own debt problems!
I would probably try and build in some things to look forward to (not necessarily costing money) because fighting debt and living on your own is not that much fun and its harder to stick to repayments if its all hard slog.
All the best - you have made a great start:T

Pollycat

Sosad
That's great news about the extra money each month - and what a sensible way for you to use it to pay off your Next account.

A couple of months and you'll have got rid of that nasty 29.9% interest and have even more spare cash to start clearing your overdraft.

Good luck with the eBaying.