We are so ready!

specialkaye

Hi Oasis,

You sound like you are getting on alright, the credit card spending isn't great but if you continue paying down your debts as you seem to be doing you might be able to wean yourself off needing the CC at all.

Your overtime income is quite significant which is good, other things to consider would be claiming all mileage you can if and any additional tax reliefs on that, and uniform tax relief, PPI/bank charges refunds.

How soon in advance do you know about your overtime, obviously the sooner in advance you can sign up for it/have it allocated the better budgeting you can do.

Have you tried cashback sites for things like your car insurance/mobile contract etc. You could even do this on your parents utilities - they can a better deal and you keep the cashback. If you are wanting to sign up to any of these many offer referral bonuses so would be worth checking out the referrals board. Make a note of your spending habits and 'weak points' and see you can get voucher codes/cashback for those things you enjoy.

And then it might just be little things that can just swing things into savings money rather than adding to debt- walking a little further saving on petrol/bus fares, collecting takeaways rather than paying delivery charges, waiting an extra day for deliveries to save on fees.

And then there are the one off clear-outs that you can use to kick-start debt repayments - use free social media sites.

Hopefully you can do some of these to pay off some more debt and make your money go further. I would just also add that as you pay off your debt cancel the cards/accounts so you cant go back.

You'll have it paid off in no time.

Sazzie23

Hi Oasis

Just wanted to chip in, folk on here just want to help you and of the best/worse case scenario don't fit the reality then it's difficult to point you in the right direction.

If you have a car, you need an emergency fund, or you'll end up on PDL again. Savings for routine maintenance and insurance, breakdown cover etc also need to be factored in.

I am on loan from the DMP thread, the thing we hear most on there is 'I never missed a payment until..' And 'I wish I'd been brave enough to do the DMP earlier'.

I'm going to suggest you do the Stepchange on-line debt remedy, it's automated so you don't have to speak to anyone and can be anonymous if you wish, and there is no pressure to take the advice, but do your self a favour and be brutally honest doing it, then take a look at the advice.

Good luck with it,just totting up all those debts and outgoings is incredibly confronting, posting here is definitely a step in the right direction no matter what advice you use.