Hi i am a new poster and would apprieciate some advice.
Firstly my income is €485 per week + 150 per month + 200 every 3 months
My fixed expences Rent: 150 per week
childcare: 100 per week
loan repayments: 50 per week. (have 1200 let should be paid off soon)
I have chourus which costs 25 per month
Bins: 32 per month
Life assurance: 23 per month
ESB: about 100 every 2 months
Gas: prob will be 150 every 2 months
My problem is i have recently got into debt of Credit Card: 2,600 and overdraft 700. Even though i am on a low income i have always managed my bills well and managed not to use my credit card too much. but have had some very bad luck recently.;
I am thinking of either switching to a different credit card to avail of the interest free period but that wouldnt help the overdraft.
So maybe a consolodate loan would be better?
Thanks in advance