pay off my debt

Fingers are shaking lol. I’ve applied for an IVA because I jst cn’t do this anymore. My life is consumed by debt and I jst HATE it. I hope this goes ok because I’ve jst had to draw all my money out so my crediters can’t take it. Eeeek I’ve got a £1,000 bill due tomorrow too. OMG OMG OMG keep breathing A- Keeeeep breathing. One step closer to either a life free of debt or jumping of a bridge. I hope this works. Time will tell. :-/

I’ve been kind of burying my head in the sand for months now about my debt. Foolishly I’ve been getting myself into more. So today I worked out what I owe and how I’m gonna pay it all off. In total I owe…get ready for it…£16,500 AND that is not student loans. I have about 6 store cards and a bank loan as well as a payday loan which I use every month to pay my bills aswell as a £1000 overdraft facility. Oh and a loan shark too who’s rates are scandalous. So, I kind of feel better now I know what I owe but feel bad knowing I probably cn’t pay it all off as I’m scrimping and scraping to get by now. Eeeek. I better look at other solutions for my debt problems. But I must say bankruptsy is my last final option. I hope I don’t have to use it. :-(

Today I’ve cancelled some unecessary direct debits. I feel bad as two of them are for charity’s but I need every penny really and I’m gonna start up again with them once I’m back on my feet. In total I’ve saved 33 pounds a month of doing this. YAAAY. Every little helps. Oh and I’m putting stuff on ebay this week too. I’m really serious about getting out of debt I’m sick of it ruling my life.

My debts getting out of hand. I need to sort it out. LIKE YESTERDAY!!