First steps- inspiration.

Hi I'm new. I have got myself in a situation where I have £13k credit card debt. I have done a budget - I overspend on food shopping and I also have my daughter & granchild living here ( £200 paid towards a contribution) I can afford to pay the minimum on each card- but I'm worried about when the 0% runs out on the cards as my debt increases with the transfer cosy. I'm embarrassed by my situation so came here for inspiration. Thank you 


  • Brie
    Brie Posts: 9,263
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    Well done for spotting that you needed to get stuff sorted sooner rather than later!!

    Are you able/willing to put your budget into a statement of accounts (top sticky in this forum) and post it here?  That way people might have some ideas on how to trim things a bit to give you some breathing space.
    "Never retract, never explain, never apologise; get things done and let them howl.”
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,292
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    I suggest you do a soa as well.  There is a link in my signature.  Are you still working? 

    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.
    Link to soa:

    #1 1p savings challenge 2024 £82.56/£671.61
    #1 Save £12k in 2024 £2000/ £12000
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