I'm new and needing advice please.

*sparkle*_2

Hi everyone,
Well i'm 30 yrs old and in £5500 worth of debt.I no its not a huge debt but its worring me now.Me and my partner are rowing because of it.He has paid debts off in the past for me you see. I can't get a loan to pay it off basically i don,t no what to do next...how do i pay it??. the debt is 2 loans, catalouge debt and an overdraft. All i can see in the furture is everything just getting worse.Can anyone advise me please???. Thanks Angie

lyric_grace

Hi and welcome the first thing you need to do is post an SOA (see the sticky thread on the main board for help) from here we can all break it down and help you as best we can, you've made the biggest step by posting on here, we've all been in your situation and know how you feel! You're amongst friedns in here!

jmf76

Hi sparkle, I'm pretty new too and have also decided to get some guidance from here. Everyone is v friendly and helpful, so don't let it get you down and take it a step at a time. I've put my SoA on here and have had some very good advice already, so I recommend that's where you start.
All the best xxx

Paige

Welcome to the board Angie, can you put up an SOA so we can help ? Paige X

*sparkle*_2

Right here goes. I no my main bloody problem i love to spend and have nice things for me and my girls...but i don't have the money!!.Anyway.
I am on beneifits living just me and my girls.
I get in total £110 a week.
£10 rent a wk
£8 social loan a wk
£49 lloydstsb loan a mth
£10 a week water rates
£20 gas awk

£10 catalogues a week
£50 shopping a wk
Paying nothing towards my over draft
Also a have a next catalogue bill of £2000 of which i havent paid and just had a letter sayiing ther goona seek legal advise.
What a stupid girl am i!!!!!!!!!!.
Thanks for being so quick to help. I'm off to get the girls will be back really soon.Thanks again.xxxx

lynzpower

OK, if you are paying 20 gas a week, then that is far too high. Are you on a key meter. some of us pay about 25-30 per month.

*sparkle*_2

I pay £20 a week as a have debts with them to pay off...i have a meter some goes on the actual gas and the rest is debt.

*sparkle*_2

Anyone....please

mumsicle_2

Hi, would it be possible to get a part time job to get some extra income? £50 also seems a lot on 'shopping' per week. What does that include? Do you smoke? Do you get all the benefits you are entitled to?

tryhard_2

hi, here is a link to martin's article on benefits you are entitled to. http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1047513100,1583,
you can gets tips on how to reduce your grocery bills on the old style board of the forum.

beanielou

You really need to try to reduce the £50 pw on shopping.
Have your local CAB carried out a benefits check for you?
Also CAB could help you to set up a payment plan for you with your creditors.
Hope this helps & good luck