Hi,
So I'm in about 5k of debt at the moment across overdraft and credit card. I need to try get this clear asap and get things on track for myself otherwise I feel I will continue to be in debt. I hoped I'd be out of this spiral by age 30 but with that birthday just having passed and no sign of being clear anytime soon I'm getting very anxious
I'm on maternity pay at the moment so not getting a whole lot income in
Credit rating isn't great, because of the debt so I can't get a consolidated loan (this would help massively!)
Constantly paying the interest on the overdraft and card means any disposable income is being taken up there and I'm never getting out of it. I have been in my overdraft that long now that I'm sure the £50 interest fees im charged every month would have built up to cover the actual overdraft by now 😭
Is there any way out?