need help

stress11

hi all this is my first post and was wondering where i can go to get help sorting out my finances, at present i am in that vicious circle of robbing peter to pay paul so i am alwaays playing catch up every month. i made the mistake of getting into payday loans thinking that would help but of course it only became worse. i am totally at my wits end and just need someone that can help sort it out
thank you

Coco114

Hi Stress 11 - you have come to the right place - its a similar situation to the one I am in so I know how worrying and stressful it is...... I am in know position to give you advice myself - but I will definately be taking my journey at the same time as you. Keep your chin up and good luck. For me, admitting I needed help was probably the hardest part - you have done a very brave thing x

fracturedsun

Try filling in and posting an SOA this will give everyone more to work on to help you. Then we can make suggestions on where you could save money.

Tixy

Hi and welcome

First thing is to work out how much you owe to everyone and when the next payment is due. I'd recommend filling in the statement of affairs and posting the results up, this will show you and us exactly what position is and from that we should be able to advise you on sensible options, and whether this is something you can sort out with budgeting etc or whether you may need to consider other options such as contacting a debt advice charity and considering defaulting on your repayments.
This is the calc that we use - http://www.makesenseofcards.com/soacalc.html