hi i'm new - please help

toontastic

I noticed you said you have not used your credit cards since November. I think the bigger question is do you still have the CC? If so it's time to cut them up. Good luck with everything.

CLAPTON

a. i would suggest it would help you greatly if you produced a proper budget ...no 250 for general spending but xx for clothes, yy for lunches zz for girly nights out etc and see how it all adds up

b. you should actually monitor all your spending i.e. a spending diary so you know everything you spend...

c. if you e.g. have a clothes allowance but one month dont spend it then actually save it in a real saving a/c so if in a subsequent month you want to buy something big then you use your savings ...and if you dont have it then dont spend it...get used to saving for things and only buying things you have saved up for.

d. think carefully why you EVER need a credit card. its only the last few years that everyone had credit cards...lots of people lived their whole lives without them. unless you can actually pay them off each month them dont used them. i know they have their uses but only if the benefits outway the disadvantages and in your situation they clear don't. Not only are they causing these debts but potentially cause difficulties in your marriage..are they worth it.

but on the positive side you say your graduate loan is just about paid off and the student loan payments finish in March so that gives you an extra £324 to go towards the other debts.