N
needadice198
Guest
Hi there
im looking for advice on debt consolidation and general budgeting
Age: 27
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession:
Annual gross income of spouse: 25000
Type of employment: Full time
In general are you spending more than you earn or are you saving?
Spend more than i earn
Rough estimate of value of home
I rent this is 600 per month
Other borrowings –
Overdraft 1200
HP on Laptop 50
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card?
Credit Card X 3 = 1 x 6000 1x5000 1 x 1000
Savings and investments:
Credit union= 700
Do you have a pension scheme? no
Do you own any investment or other property? no
Ages of children: n/a
Life insurance: n/a
What specific question do you have or what issues are of concern to you?
I have gotten myself into huge debt with credit cards and would like to know the best ( and lowest interest!) way of getting out of this
Every month im crippled with outgoings i need to find a cost effective way of reducing my debt and getting expenditure under control
last month 1500 of my wages went on bills
i would like to go traveling / change job but this is impossible at the moment with all this debt
also who would be the best to borrow off?
thanks for your help
im looking for advice on debt consolidation and general budgeting
Age: 27
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession:
Annual gross income of spouse: 25000
Type of employment: Full time
In general are you spending more than you earn or are you saving?
Spend more than i earn
Rough estimate of value of home
I rent this is 600 per month
Other borrowings –
Overdraft 1200
HP on Laptop 50
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card?
Credit Card X 3 = 1 x 6000 1x5000 1 x 1000
Savings and investments:
Credit union= 700
Do you have a pension scheme? no
Do you own any investment or other property? no
Ages of children: n/a
Life insurance: n/a
What specific question do you have or what issues are of concern to you?
I have gotten myself into huge debt with credit cards and would like to know the best ( and lowest interest!) way of getting out of this
Every month im crippled with outgoings i need to find a cost effective way of reducing my debt and getting expenditure under control
last month 1500 of my wages went on bills
i would like to go traveling / change job but this is impossible at the moment with all this debt
also who would be the best to borrow off?
thanks for your help