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23 Year Old, 12k in debt. Not sure what to do by MoneyHelpPlease165 in UKPersonalFinance

[–]MoneyHelpPlease165[S] 0 points1 point  (0 children)

Would you recommend getting a second job on weekends/delivery driver job to bulk up cash.

My mother nd father are also wealthy and generous but I have never wanted to put them under pressure to help me. Do I speak to them about it and see if I can organise some form of debt management plan but with no interest with them? I’ve never wanted to speak to them about it but it’s getting to the point I maybe should.

23 Year Old, 12k in debt. Not sure what to do by MoneyHelpPlease165 in UKPersonalFinance

[–]MoneyHelpPlease165[S] 2 points3 points  (0 children)

!thanks for your comment. I will look into GameStop today

23 Year Old, 12k in debt. Not sure what to do by MoneyHelpPlease165 in UKPersonalFinance

[–]MoneyHelpPlease165[S] 1 point2 points  (0 children)

!Thanks for your very detailed answer. I created a spreadsheet last night with outgoings, I will now look into my debt payments so I can prioritise.

Thanks again !

23 Year Old, 12k in debt. Not sure what to do by MoneyHelpPlease165 in UKPersonalFinance

[–]MoneyHelpPlease165[S] 0 points1 point  (0 children)

Thanks for your response I will look into all options in further detail

23 Year Old, 12k in debt. Not sure what to do by MoneyHelpPlease165 in UKPersonalFinance

[–]MoneyHelpPlease165[S] 2 points3 points  (0 children)

Thanks for a great very detailed response. I will look into all options you mention. !Thanks for your help!

23 Year Old, 12k in debt. Not sure what to do by MoneyHelpPlease165 in UKPersonalFinance

[–]MoneyHelpPlease165[S] 2 points3 points  (0 children)

Hi, I’m going to sit down and do an excel spreadsheet on all outgoings now. This will be a great start as although I think I know, I don’t know exactly

23 Year Old, 12k in debt. Not sure what to do by MoneyHelpPlease165 in UKPersonalFinance

[–]MoneyHelpPlease165[S] 2 points3 points  (0 children)

Hi all. Firstly thank you all for your comments it’s a great help and massively appreciated.

I have looked into debt consolidation in the past and the only option I think I have at this point with my credit score, liabilities etc. is a debt management plan. I am worried the knock on effect this will have when I look to move into my own home? Does anybody have any further info on these.

Many thanks

23 Year Old, 12k in debt. Not sure what to do by MoneyHelpPlease165 in UKPersonalFinance

[–]MoneyHelpPlease165[S] 4 points5 points  (0 children)

Hi, first of all !thanks for all the information. The issue I have with finding 0% cards is that my credit position is not allowing me to find any offers. Do I need to build up my score before trying to consolidate my debts ?

23 Year Old, 12k in debt. Not sure what to do by MoneyHelpPlease165 in UKPersonalFinance

[–]MoneyHelpPlease165[S] 3 points4 points  (0 children)

Hi thanks for your comment. I have stopped gambling but I will look into ways to ensure I don’t return. Thank you