I currently have an overdraft of £2500 which is always maxed out every month. I have no savings or credit card debts, just the overdraft. interest is £30 p/m. I am accounting for every penny spent, but i am left with around £200 to last the month, which has to pay for food etc.
Any advice you have will be greatly appreciated. I have looked at loans, credit cards to pay off this debt, but they all seem to have such high rates of interest that inevitably would put me more into debt.
I dont really see a second job being of any good, as i would have no time to myself as i already work full time, although the extra money would come in handy, its just not plausable! i have stressed and stressed over this, and spoken with family members and friends.
My sister has been a great help, i did have an overdraft limit of £3000 but she convinced me to reduce it to £2500, so i now i have to watch what i spend, and she was the one who came up with the plan to write down everything that im spending each month, but still i cant seem to get out of it.
It's not getting any worse each month which is a good thing, but its not getting any better either which worries me. Please help me if you can, thank you
Any advice you have will be greatly appreciated. I have looked at loans, credit cards to pay off this debt, but they all seem to have such high rates of interest that inevitably would put me more into debt.
I dont really see a second job being of any good, as i would have no time to myself as i already work full time, although the extra money would come in handy, its just not plausable! i have stressed and stressed over this, and spoken with family members and friends.
My sister has been a great help, i did have an overdraft limit of £3000 but she convinced me to reduce it to £2500, so i now i have to watch what i spend, and she was the one who came up with the plan to write down everything that im spending each month, but still i cant seem to get out of it.
It's not getting any worse each month which is a good thing, but its not getting any better either which worries me. Please help me if you can, thank you
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