in debt and want to manage it better

caterina182

Lukese, you can't SAVE money if you're in debt. The first thing to do is work out how long it would take you to pay off the debt if you budgeted. Then transfer all the debts into one card with 0% or low APR for as long as you need it. There are fees associated with this, so shop around for the best deal.

After you've done this, you'll only need to pay ONE card every month. Now budget. You must stick to your budget. Make your payments by direct debit and ALWAYS check they're not taking more than they have to. Also, WITHDRAW the money you will need for the month and don't use anything else. You must train yourself and learn to live with EXACTLY your budget. Doing this will see you get through your debts in no time.

lukese

but as i said before i doubt ill get a card that will let me transfer all the money


*edit*

i guess any transfer to 0% is better than none though ill look for card/cards tommrow, i just think as i allready have three they will tell me to go whistle