H
havana
Guest
Two questions if I may...
1) May sound stupid but can I cancel my Credit Card while I am at my limit or do I need to wait till I have it cleared?
2) At the moment I am finding it really hard to manage my finances. A few figures:
Monthly income e2030
Credit union loan balance e5500 paying back e80 per week
Bank loan e1625 paying e81 per month
Credit Card balance e1500
Ph about e70 a month
VHI e38
I also have to pay e20 a month for a purchase I made and stupidly didn't pay it of in the interest free period.
e700 goes into our joint acc for mortgage, ins, bills etc.
Overdraft e600
Save e100 SSIA each month
And e80pm into the CU
My question really is would I be better off consolidating these debts? Would anywhere do this for me based on the debts?And do things look as bad as they seem to me? I only ever have about 80 a week disposable income, before anything extra comes out such as doctors bills or anything else unexpected. I can't even afford to be sick!!! Thanks in advance
1) May sound stupid but can I cancel my Credit Card while I am at my limit or do I need to wait till I have it cleared?
2) At the moment I am finding it really hard to manage my finances. A few figures:
Monthly income e2030
Credit union loan balance e5500 paying back e80 per week
Bank loan e1625 paying e81 per month
Credit Card balance e1500
Ph about e70 a month
VHI e38
I also have to pay e20 a month for a purchase I made and stupidly didn't pay it of in the interest free period.
e700 goes into our joint acc for mortgage, ins, bills etc.
Overdraft e600
Save e100 SSIA each month
And e80pm into the CU
My question really is would I be better off consolidating these debts? Would anywhere do this for me based on the debts?And do things look as bad as they seem to me? I only ever have about 80 a week disposable income, before anything extra comes out such as doctors bills or anything else unexpected. I can't even afford to be sick!!! Thanks in advance