whats the best card for me

Tracey04

been adviced to post on here.
Owe approx £5000 ( £3500 overdraft with Halifax + £1500 GE c/c)
earn £4500 per year no partner
I want to pay off asap though it looks like Im unable for a 0% card beacuse of my earnings (from advice debt forum)
Any ideas what I can do. Thanks

Bokkens

Consider a Life of Balance card(LOB) you move your debt to it and you pay the same low rate of interest each month until it is paid off even if it takes years the monthly interest will be at the same rate.
If you cannot get one of these cards you will just have to save every penny and put it towards the debt until it starts to reduce this could easily take a year before you see any improvement but you have to be iron willed to succeed.
Good luck
Read Martin's article on credit cards and Balance transfers and post here if you get stuck.

Bokkens

It is up to you and your circumstances, but you may have to try and get another or different income to boost your incoming money.
Have a look at the thrift boards and debt free wannabes for some extra ideas that you can use ,also the job /employment benefit boards to claw back any money that is owed to you.
Swap electricity and gas suppliers for a cheaper one reduce your monthly payments by a few pounds but don't let the bills get out of hand so that they become a debt.
Recycle what you have at home,get rid of stuff you don't need at car boot sales and buy what you need from car boot sales or charity shops.
Have a look at all you finances and compare yours with information on this site and see where you can save ,bank charges may be another area.
Good luck and stick with it.