Head out the sand.

Krisa_2

Hi guys,

Long time reader, have finally deceided to post and get some help.

I want to be debt free and need some help formulating a plan on how to do so!

I have a personal loan of around 5000,
A credit card with 2400
And a £2000 overdraft.

I currently earn around £1200 a month and after all bills etc have £500ish disposable a month.

I really want to make a start clearing my debts so any help would be very much appreciated.

Regards

Krisa

billinghamfan

If you post an SOA it'll be easier for peeps to offer advise.

Krisa_2

Thanks for the reply.

I have mortgage payments of £240 a month
Mobile phone £32
Home insurance £6
Minimum payment on credit card £55
Overdraft fee £30
Personal loan £140
Sofa £35
Utilities £60
Council tax £70

Thanks In advance

Krisa