help !!! please!!!

Taz_Sutton

Hi,

i'm brand new to being a debt free wannabe and since living university i've managed to accumulate quite a lump sum. I suffered badly with depression at university and instead of handling it straight away with doctors and counsellors help; i instead turned to drink and retail therapy. Thankfully am on the mend and starting to get back on top of things. Because of all this though i have an extremely bad credit rating, i owe my mum £1800 two credit cards that total £700 and a storecard which i have £180 on it. I've recently got a job but as im still not 100% im not capable of working part time and am picking up £700 a month before tax, plus i have to give my mum £200 a month rent as well.

I have no idea where to start and no idea how to begin to figure things out, any advice on ways i can save money would be great. It doesnt help im in a long distance relationship, and i plan to start a pgce course next september. So any useful tips and advice would be great. I'm slowly working my way through the site for credit rating advice and such like, but i thought i'd appeal to you wiser moneysavers and debt escapers for some sound and helpful advice or even a point in the right direction.

Sorry for waffling on

Thanks

Taz

Taz_Sutton

oh and thats not forgetting the £1500 overdraft im at the wrong end of

thecornflake

Hi and welcome to the forum.

If you read the sticky for first timers at the top of this forum then post and SOA we will be able to have a look at your situation and hopefully give some good advice.