Time to wake up, what a year!

sdkfz222

Hi all
Today i had what people call their lightbulb moment!

This year has been not very good really, i have lost 3 friends one after another and had a scare with the birth of my first child.

We have also been burgled

im self employed and struggling to get money from people so have ended up in a bit of a pickle and not taken good enough care of my finances.

i used to be very good at looking after my money and was always financially fluent.

the debt problem has come over the last 3 years or so

currently have the following:

Natwest c.card £3700

Halifax c.card £3000

RBS c.card £4800

The following are estimates as i do not know the exact figure till i pick up the statements from my parents tomorrow.

I think the first step would be to transfer the addresses on the accounts and stop burying my head in the sand.

thanks for listening everyone, i just needed to get it off my chest!!
Thanks
martin

sdkfz222

Another sleepless night, decided to do ebay tomorrow As I got plenty to shift!