In need of help and guidance

onlyroz

I would suggest selling the car and getting a cheaper and more economic one (E.g. a Citroen C1/C2 or similar). Expensive cars are a luxury for when you have more disposable income.

theoretica

Is the money for shares cast iron definite and can you prove it? You might find it possible to get a small loan from your bank if you went in with proof that the money was coming in.

Is all your petrol use vital for work? It looks rather high to me. Do you always drive in the most economical way? There is an article somewhere on here about cutting fuel costs.

Do you have anything you can sell? Even lots of individually quite small things like clothes or your DVDs can add up.

atush

this isn't a full SOA as there is nothing for food/groceries?

ghostmadlittlemiss

atush wrote: »

this isn't a full SOA as there is nothing for food/groceries?

The OP lives at home, presumably their parents buy their food.
Kayleigh

atush

Well petrol is too high.

I am thinking I agree with others, if you Cr rating is already shot a DMP might be a good idea. But I usually rec hitting the most expenive highest apr debt first, paying lower pmts to the rst and once that one is done, hitting the next highest. This saves you money on interest if you will be paying the whole lot back.

How much are the shares worth? Will they cover all of your debt?