reconsoliding

i am looking reconsolidaing my finances, i am earning about 1400 a month, and am paying 690 on loans, credit unions, banks and credit cards, the problem is i have a bad credit history as i made a miserable mistake 3 years ago involving a rat of an x boyfriend, im now finding it hard to meet rent and bills. any advice

Try that snowball plan someone else on here mentioned, target 1 loan/credit card with the lowest balance and direct all spare cash at this loan, pay the bare minimum on all other loans until the 1st targeted loan is paid off.

Stay in for a month or two, watch TV, catch up on books you want to read or if you do go out don’t drink

Bring your lunches to work.

I used to find this too i was paying off a loan with boi 230 a month, my car was a loan of 3k with was 181 amonth & my visa card was maxed out i used have bout 500 euro a month to spend but now i have cleared my car loan still have a bit on visa but trying to pay that off i got a part time job cleaning and it really helped now my outgoing are nearly 400euro a month so i have a 1,000 for me & i know i still have bad credit but no one is perfect we all make mistakes only thing to do is try and fix them i tried to clear the smallest one first & then thats one monthly outgoing saved once a month best of luck

Mise-me you need to post more of your details if you want people to be able to help you. How much do you owe for each debt and what is the repayment, how much is your rent etc.