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some financial tips needed

If it's any consolation, there must be millions of people your age in the same situation or worse. (I'm assuming you're fairly young.)

Maybe your best bet is to find a partner, if you don't already have one, to share the expenses, as long as they're not spendthrifts and gold diggers!

I copped a red for this reply, with the comment "One of the stupidest things Ive ever read".

Would have helped to reply in the thread, explaining why. That way I can try and avoid being so stupid in future. :eyes
 
I see no other solutions than marrying your lodger. Sorry for the stupid reply but I really hate giving good financial tips for free.
 
Click "Settings" and chances are you'll see what looks like a field of poppies, if somewhat one-dimensional - A sea of green, with a few reds dotted about.
Ah, infractions. I got one of them a few weeks ago. It has to be said that I was demonstrably innocent, a point conceded by the infractor.
 
Head for fool.co.uk - look for the dealing with debt discussion board - they will help hugely once you give them the details.

Single and on 50k and skint - you are living way beyond your means and will eventually have to pay for that. Still, they do say make hay while the sun shines so hope you have had a good time on the way !!

You need to get on top of the debt, live below your means - you can still have fun without buying loads of sh!t you don't need.
Good luck....
 

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