Down to £55 left on my overdraft....due to go on holiday in three weeks - HELP!!!!

TwelveStopsThenHome

I've just died at my bank account today. I am down to £55 left on my £240 overdraft.

Some stupid debt collection company taken £100 two days early, my payday loans to repay were about £90 odd quid.

I am paid on Weds, and with my wages being £1000 a month, I'll have £795 left for the month!

Out of this is:

£200 rent to my Dad
£100 mobile bill (mine + oh contract)
£120 electric
£70 travel pass
That is around £490 to pay out!!!

I have only saved £35 for my holiday spending money, and I'm going to have no money left to go away with.

What shall I do? This is tearing my hair out, and I am getting sick of this.

elaine12022

Can you cancel/postpone the holiday?

TwelveStopsThenHome

elaine12022 wrote: »

Can you cancel/postpone the holiday?

I've been saving for this for months. It's an all inclusive holiday to Benidorm. This is my first ever foreign holiday. The holiday has been paid off, but I lack spending money.

FurryBabies

If it's all inclusive you've not got much to worry about, £30 should be fine for a few nick nacks to bring home!

elaine12022

Do you normally pay money for groceries etc? if so your normal spending for the time you're on holiday could also go for spending money.

tallyhoh

thats still £300, isnt that enough?

TwelveStopsThenHome

tallyhoh wrote: »

thats still £300, isnt that enough?

I do pay towards groceries and my boyfriend pays towards the food.

With the £300, I am helping my Dad out financially sometimes, as he is unemployed and in a lot of debt. I honestly get scared when it comes to pay day with money. On top of that, I pay £30 with the internet/landline.

I have tried to sell things on Ebay....I sold an old mobile for £29, and trying to flog a Sony PSP with thirteen games, but sick of the Nigerian scammers winning it all the time.

elaine12022

that's great you're helping your dad, but really looks like you need to put yourself first at the moment, as you say you need some spending money, and you're in debt yourself.

does your dad take responsibility for his debts or do you feel under pressure to help? Sometimes bailing people out isn't always the best thing, as they need to learn from their mistakes, and take responsibility( taking into account abilities, capabilities etc).

Are you going away with your boyfriend? does he have any spendingmoney?

TwelveStopsThenHome

Gumtree, my bf's brother had a negative experience on there again with Nigerian scammers when it came to a Blackberry. Don't these people have lives?

Again, thanks with all your tips and advice. I feel a right prat for taking out these Payday loans with Wonga et al.

TwelveStopsThenHome

elaine12022 wrote: »

that's great you're helping your dad, but really looks like you need to put yourself first at the moment, as you say you need some spending money, and you're in debt yourself.

does your dad take responsibility for his debts or do you feel under pressure to help? Sometimes bailing people out isn't always the best thing, as they need to learn from their mistakes, and take responsibility( taking into account abilities, capabilities etc).

Are you going away with your boyfriend? does he have any spendingmoney?

Dad it's a bit of column A and column B.....he sometimes buys things he doesn't need....I think it's his release and he has done this for years. He is a real hoarder. He lives with his girlfriend, and most of his junk is in the spare room! The house was an inhertiance from my Grandad (his father).

I do like to help, but I am one of these who just can't say No. My boyfriend is going away with me, and he already has £250 in spending money. He is on DLA, and has managed to put a bit a side each week.

elaine12022

sounds like between you you should have enough money for the holiday?.

Surely your dad's girlfriend should be looking after him, if she's living in the house with him?

What's the worst thing that could happen if you say 'no' occasionally? (it does get easier with practice, I promise )