OK- I will be honest, my finances are in a mess and I need help with organizing myself and getting debt free. So I owe around 2 and a half thousand pound, I earn 1000 a month. about 600 goes out in bills, how can I organize myself, I want to get this paid off, my credit is poor from when I was younger, I am on a debt management plan, but I need help to organize myself so that I can get this paid off quicker, any ideas or paying it off quicker and being better with the way I spend etc, I also smoke which costs me 30 quid a week, so I know I need to quit to free up more money, so any ideas?
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