Hi all, I'm really fed up struggling financially. I've taken on more than I can manage and made some serious errors (I'm a bit thick when it comes to money). I don't really have anyone in real life to advise so I'd like some help if you please :) I earn a decent amount but have a huge mortgage. I stupidly bought a flat but didn't really think about the extra costs for example ground rent (which is also quite a bit). I also have a huge personal loan which is the worst thing I've ever done (God knows where it came from). I've counted a total of 14 direct debits a month (is this normal?). I've had it being skint. I want a holiday!!!! I'm thinking about putting my personal loan on my mortgage but don't know how this will work. I'm wondering if I should cut my losses with my flat and sell up and move out (I'll probably make a loss though). I feel really stuck. Can anyone help please? It's useful to say I'm also premenstrual and not feeling great. :)
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