So this is my first post... I am a long time reader of reddit but have only just come across this page out of sheer hope that someone can give help.
I am a 23 and am in £12k worth of debt. Completely my own fault, there is no excuses there. I took my loans out for paying off store cards as the interest was lower because I was a shopaholic (now not mainly because I can't afford to be).
I want to post in this thread to get some advice on how I can manage my debt properly. I have made lifestyle changes such as being on a budget, cutting down on spending such as cancelling my much loved gym membership and Netflix etc.
Admittedly I am in over my head and am finding it hard to keep up with the payments but am just keeping up with them. I am really getting desperate as I want to keep my credit score (it's really good at the moment) as I would like to save to buy a house but can't save until I have paid everything off.
Any help would be appreciated so much.
Thank you :)
Submitted July 24, 2017 at 04:39AM by gelc159 http://ift.tt/2vAMw2z
