Firstly could you find cheaper accommodation? Just a thought.
Maybe get a part time job in a bar or something at weekends until your debts are cleared - this would also help you cut down a bit on socialising if that is something you spend a lot of money on!
Then, once your debts are cleared, set up a standing order from your current account for the day you are paid each month into a savings account.
Could you look for a promotion in your job that would earn you more money? Or look at doing some further education that could lead to promotion.
I have a standing order going from my current a/c to my standard savings a/c every Friday (as I get paid Fridays).
Getting the CC debt cleared will be a big help. If you're really struggling then maybe reduce the amount your repaying to it?
I lived perfectly comfortably on 24k pa last year/year before, that included holidays, plenty of socialising etc. And my rent was 550 pcm. I had loan repayments during part of this time (not as much as yours).
I think you just need to work out what you're spending the money on.
Your rent is quite good for Dublin (assuming it's a decent place and you're happy there).
I'd just be concerned about the credit card debt. How did you rack it up? Will you do it again?
If you are moving out will there be a deposit to get back? will you need it to get another place or could you pay it off your CC debt?
If your CC balance is 850 and you are paying 400 a month off it - sureley it will be cleared in two months?? Or have I missed something here? Pay in this 500 when you get it - and the credit card will be cleared in a month leaving you with an extra 100 a week to pay off the overdraft - which will then be cleared in 10 weeks.
So I move money from my current account to the CC straight off.
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