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21 And 6 Grand!!!

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Comments

  • gax23
    gax23 Posts: 205 Forumite
    Agreed with phildamb. If you don't know where that £348 is going, and you say it's not including bills, then your SOA is far from complete. Keep a spending diary for a month - track EVERY PENNY. Once you know where every penny is going, it can be posted in an accurate SOA and we'll be able to help you a bit more.
  • You sound very carefree about it all. You need to make some harsh decisions about your lifestyle and what you are spending. Good luck
  • Hi

    Just a little word of advice. Please try and keep track of that extra spending like the others on here have. I was probably in around the same amount when I was your age, maybe a bit less. Now I have a £10k loan to pay off coz even though I wanted to pay money back, I kept spending it. Take action now because as you know, it's so easy to get into these situations. You've made a positive step by coming on here, so keep it up.
  • Oh and I am only 23, so my debt has mounted up really quickly!
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