Any advice would be helpful

Laura_devine

Looking for some advice.
Anything at all will help.

My credit score is very poor so find it extremely hard to get anything on finance or even credit card to shift debts to 0%.
I have capital one and aqua credit cards. I pay monthly to these but the balance never seems to get any lower.
I'm left every week with no money due to having to pay debts. It's now making me I'll and I can't handle the stress from it anymore. I feel like I'm stuck now with all this debt hanging over me and I'm never getting out of it.

Is there any advice of what else I could do or try to give me the start to becoming debt free.

Thanks

MrsSave

I would start by filling out an soa:

http://www.stoozing.com/calculator/soa.php

Look through your past statements to help you fill it in. Post it on here and people will be along to offer advice on your current spending and debts. As long as you work at it, you will be debt free. Don't worry!

EssexHebridean

Yep - correct advice given.

Stop, take a breath. nothing is irredeemable - and I would put money on us having seen worse situations than yours in the past.

Get the SOA sorted and posted in here and we can see whether there is anywhere that savings can be made that you may have missed. Remember when filling it in that it needs to be accurate - and accurate to the way things are currently, not the way you *think* we want to see things - that's no use to let us try to help!

Ilona

Hi Laura. As above, your spending exceeds your income. You now need to find a way of either spending less, and/or earning more. It's a matter of balance. For this you need to change your mindset and re evaluate which of your outgoings are priority, and categorize your expenditure into 'wants' and 'needs'.

The Statement of Affairs is the tool you need to do this. The good people on here can go through it and advise of any tweaking you can make.

This can be sorted.
Ilona