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12 February 2010

How can we slowly creep back into finances worth smiling about?

My husband and I have a lot of debt (overdraft of £5k and credit cards of £4k, we also have a loan for £20k) Our earnings-spends are such a fine line and we can't seem to cut them down - done the usual changing of utilities/phones provider/cutting shopping costs/food costs, etc. We cannot put anything onto better rate credit cards or 0% transfer cards, as we now have bad credit and we can't apply for them! What should we be doing to maximise our earnings and make them go further, other than the obvious things we are told to all the time?

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