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has anyone got any good ideas on how to get out of debt? |
Issue please please help i am in debt and cant find an answer, i am so worried. Best Tip There are ways but it takes time and effort. Stop spending on things you can manage without for a start. If you have more to pay out than you have coming in then you can often come to an arrangement with the companies you owe money to. write down your in comings and out goings. write to everyone you owe and explain the situation. Offer each one a regular amount , as much as you can manage. leave yourself enough for rent, fuel, food and cloths, fares to get you to work and so on. The companies would rather have a smaller regular amount than nothing at all. Don't run up more debt trying to pay off the ones you already have. The Citizens Advice bureaus will advise and help you. They write to people for you if you want ,go to see them, make notes of your expenses first and all the money you have coming in. I hope it works out for you. Do something about it tomorrow before it gets worse ,it is solvable, good luck !!! Others Well.... Have you seen a financial adviser? You could go to a citizens advice bureau. Try getting a consolidation loan, but check the rates. Cut up your credit cards as well have a look at www.moneysavingexpert.com Good luck... Try not to get too down there are ways of making things more managable. x suzeorman.com Get in touch with Citizens Advice Bureau. They have a Debt Counsellor who will assist you. Good Luck see if you can put all debts in one source. maybe lower monthly payment than work, work and work STOP SPENDING AND EARN MORE. PAY BILLS. get a job !!!! no seriously you in the uk? try someone like accuma or debtsolvers. get advice on an IVA they wrote off most of my debt (@15K) and i pay back very little now. its stressfull but bear with it - you can find accuma on-line (thats who i used) good luck. |
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