ooo no not again!!!

LolStevo

Ok well this is about the 3rd time i have had my lightbulb moment!!!!!

But this time i hope is my last!!!

I am a recently turned 21 yr old student, i have just got a part time job earning around £95 per week.

I dont pay any rent at the moment cos i cant afford it but i want to get myself sorted an move out next year with my boyfriend who has a good steady career.

My debts are as follows:

Natwest Bank around £4000 (interest free, dad pays £200 per month towards this)

Capital One £150 (interest free)
Debt managers (2 debts total £500)
triton credit (£750)
virgin/carphone warehouse (£150)
orange (£120)


Total: £5670

I also owe around £800 to family for loans!

I know i am in a right mess, i only pay for my car insurance (£45) and phone (£35) per month.

I am having a car boot sale on sunday and selling stuff on ebay so hope to out that money towards it but i need some encouragement as i cant see myself getting out of this mess! Any advice?

Thanks xLolx

rayday2

How come you owe to mobile phone companies money? Are you tied into two contracts?

sammiboo

Hi there

Taking away from what you pay out as you stated phone and car insurance, you have £300 to pay off debts each month.

You must have other bills you pay for? Do your parents pay your petrol? What about going out with friends. You need to detail a bit more on what your spending is, £300 a month to pay off £6470 worth of debt isnt too bad.

you could pay off carphone and orange in a month