Help needed

MissK230

Okay, I'm new to this so please go easy on me.

I've managed to get myself into 35k of debt on credit cards and it's getting to a point I'm worried about paying my min. Dues.

I get paid 2000 a month and my bills themselves come to 1750 and this is before I've paid for petrol or food.

This month is especially hard as I have spent on a charge card for Christmas (stupid I know) which will collect in full in Jan.

I can't get any more credit for a 0% or consolidation.

If anyone could help with some advice that won't impact my credit file any further I'd really appreciate it. Any tips on saving or selling or anything at all would be extremely helpful.

I'm extremely worried as would like to get a mortgage in the future and don't want this to mess up my chances. Aside from that I'm just generally worried about it.

I understand where I've gone wrong and am taking the steps to resolve it but need to focus on how to get the debt down now.

Thanks in advance

Willing2Learn

Hi MissK230 and welcome to the forum

Please can you post up your Statement of Affairs (SOA), so that we can see your exact income, expenses, assets and debts. Only then will we be able to advise...