Help got myself in a bit of a hole

nicky1965

Hi
i have got myself in a bit of trouble. i was working on the assumption that i over spent by about £50 to £100 pounds each month. boy did i have a shock when i did martins budget (which i couldnt print unfortunatly) i over spent by a wopping £500 each month. i cut it down to about £300 but i am now having trouble,

the main problem areas are £2700 on american express card at 4.9 an I.F. loan of about £2500 with a rate of 7.9 a credit card with £1000 on at 14.9 and about £1800 on my overdraft and that rate i am scared to look. the american express is a basic payment of £84 per month my credit card is min payment of £20 per month my I.F. loan is £84 per month and on top of my household bills I.E. mortgate of £277 and council tax ect it is a struggle when my basic wage is only £228 per week take home. i am at my wits end, i have looked at the CAB website and i am not sure if my debt is bad enough (if you know what i mean) i am not behind YET!!!! but that day is fast approching. I just dont know where to start. my amex card is a low rate but its £100 per month my IF loan is a good rate but that is £87 on top of everything else what should i consolidate and what should i leave where they are. my head is spinning.

if there is anyone who can give me some direction i will be so very greatful

Nicky

newmum1

list your income and outgoings and im sure we will be able to reduce your outgoings therefore leaving you with more money to throw at your debts

Thefunkygibbons

Bump

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