I am a recent graduate and whilst i was at university i run up debts of £6500. I have just started a job where i get £1228 after tax but I have to pay £355 on rent £35 on phone bill £40 on car insurance and £127 travel to work so I am left with £557 a month to live and pay off my debts with plus I would like to save some money as I am hoping to get a mortgae soon. Have you got any advice on how much i should save and how much I should pay off as I am struggling? Please help I am desperate.

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keep payin the minimum amount to keep your credit rating up whatever you do.
Next give this below a go i got money problems at moment and just tried it and have made £33 in just over an hour Ok so its not going to clear your debts but it will give you a bit extra cash each month and if you keepit in your account then you should be able to pay a bit more off each month than the minimum. There is no end to what you can earn with this the more posts you place then the more youll earn as the more people can see the letter and take up the offer
Good luck and happy earning

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Post by Allison Harvell on 6. January. 2007

Paypal!guaranteed Money Maker!
FORGET THE "WEBIK" LETTER.
FORGET THE "DANGOPAY" MAILER.
FORGET THE OLD "PAYPAL LETTER."
NO MORE $6 TO $6000 BY MAIL.
IF YOU REALLY WANT TO MAKE BIG CASH FAST, YOU HAVE TO GET IN AT THE VERY BEGINNING. WE ALL KNOW THAT THE LONGER YOU WAIT, THE LESS RETURN YOU GET ON YOUR INVESTMENT. WELL, THIS IS AS NEW AS IT GETS. THIS LETTER WAS STARTED ON JANUARY 6 2007. WHICH MEANS THAT EVERYONE THAT GETS ON BOARD EARLY, WILL RECEIVE THE BIGGEST PIECE OF THE PIE. DO NOT WAIT UNTIL IT IS OVER SATURATED. IN A MATTER OF DAYS, THIS LETTER WILL BE IN EVERY MESSAGE BOARD ON THE INTERNET. NO SCAM, NO SPAM, NO PYRAMID. THIS IS PERFECTLY LEGAL AND LATER I WILL EXPLAIN WHY.
THIS IS A BRAND NEW LETTER. HOWEVER, IT STILL USES PAYPAL. YOU CAN NOT BEAT THE BEST AND MOST TRUSTED NAME IN ON-LINE PAYMENT SERVICES. First of all, the other letters say that if you open a WEBIK or DANGOPAY account, you will receive $5 just for signing up. That is not exactly true. First you have to deposit a certain amount of money and they will add $5 to your deposit as a free gift. You can then withdraw the amount you originally deposited. That is too much of a hassle and takes too much time. To be honest, the main goal is to make as much money as quickly as you can. This letter will explain how you can take £3 and turn it into THOUSANDS in a matter of days, and in some cases, just hours!!! We all know that TONS of money has been made using all of these programs and this one is no different, except that it is BRAND NEW. I will explain to you the simplest, easiest, and most secure way for you to start making HUGE CASH PROFITS!!!

First, go to www.paypal.co.uk and sign up for an account. It is totally free. A business account is recommended because it does not have a sending or withdrawal limit. Paypal says you can even use your name as your
business.

https://www.paypal.co.uk click on sign up in the top right corner and open an account if you do not have one already.

Next, deposit £3 into your new Paypal account. You can do this by adding your bank account to your Paypal account. (This may take 3-4 days.) Or if you want to start right away, use your credit or debit card to make the £3 deposit to Paypal. Paypal guarantees your security when using personal information. They do not release your information to third parties. Very, very, very, secure!
Take the £3 in your Paypal account and follow these simple steps:

1) Click on the "SEND MONEY" tab

2) Enter the e-mail address in the #1 position

1. allisonharvell@btinternet.com
2. fionamontrose@btinternet.com
3. musicfan@boardermail.com

3) Send the £3 to the first e-mail address with an attached note, or a seperate e-mail saying "ADD ME TO YOUR MAILING LIST." This makes it legal.

4) Copy this letter. To do this, simply place your cursor at the top of the page, hold it and drag it all the way down to the end of this letter, which will highlight it. Then click on "EDIT" and select "COPY."
Now open "wordpad" file on your computer and put the cursor in the top of the page in the notepad. Then click on "EDIT," then select "PASTE." This will copy the letter onto your computer. Be sure to save this letter as a text file. Then send an e-mail to the 3rd position (3rd e-mail) saying "THANKS, I'VE JOINED." This also makes this legal.

5) Now remove the #1 e-mail address and move #2 and #3 up a position, and list your e-mail as #3.

6) Log on to YAHOO, GOOGLE or any other major search engine, and type in "making money message board," or "post message," or " making money forums," or "employment," or "business opportunity," or " chat sites," or " news groups." Post this letter in at least 150-200 of these message boards and news groups. It is very important that you post as many as possible, because the more you post, the quicker your name will move up the list. When your name reaches the #1 position, is when you start bringing in the BIG BUCKS!!

Now just sit back and watch your Paypal account grow!!!

Good luck and make lots and lots of money!!!!!!!!!!

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You're doing okay. You're just getting started. You'll eventually make more and have more to work with. Just keep paying off your debt and it will eventually be gone. DON'T accrue any more debt for ANY reason! Just for a house and an education. Start to save 10% of your income. Pay yourself first. It seems hard at first but once you get into the habit it's easy. You're the most important person to you and you need to take care of yourself first. Then soon enough you'll have your down payment. Relax.
You'll always want something you can't afford. That goes for millionaires and paupers alike. Get used to it and don't strss about it. You're off to a fine start. Do what's right and you'll live a better life than most.

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Go to your local citizens advice bureau they will be able to help you sort out your debt problems.

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Are you wanting dept management...I can point you to a company that dealt with mine. Someone I know works for them I can pass on your details to a dept councillor to give a call back. You would have to have at least the following to qualify with them tho:

1. You must owe a minimum of £2,000.
2. You must owe to a minimum of 2 creditors.
3. You or their partner must be in employment.
4. You must NOT be involved in a debt management or IVA program with any other firm.

Hello,

If you want more help for Debt so visit my signature links it's helpful to you.

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right my advice would be to go and visit your citizens advice bureau - they have great resources in trying to find you a solution or at least a route for you to resolve this. If that doesnt help then go and speak to a debt advisor where they will be able to assess your situation and give you a realistic view on what to do next.

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That's really a great post. Keep it up.

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Try to work with what you've got now.
I agree with saving and paying yourself first. Set yourself a possitive goal and focus on it instead of focusng on debt.
If you think about debt you get debt, if you think prosperity you get prosperity.

If you are in the situation where you borrow money to maintain minimum payments it is time to call for help. The best and free advice is availeble from Pay Plan. Do not use other companies as they are charging for their services and Pay Plan is free

I'd say that you should set your self a minimum amount of cash to save a month, then in a wildcard move set a minimum amount of money to create some kind of a passive income stream for your self. Remember it takes money to make money !!!

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