danjohnson1996 t1_iy44v44 wrote on November 28, 2022 at 4:45 PM

Reply to £20k in debt and it's become too much to handle and is killing me. What can I do? (breakdown below) by StarlordsTrees

Drop Spotify and YouTube premium. They both have free versions with some ads and that will save you £324 a year

danjohnson1996 t1_iy44ju8 wrote on November 28, 2022 at 4:43 PM

Reply to comment by StarlordsTrees in £20k in debt and it's become too much to handle and is killing me. What can I do? (breakdown below) by StarlordsTrees

Taking another job would not reduce the cash you took home if you went over 25k. You would pay a percentage of the money over the threshold but not the money earned underneath the threshold ie if you got a second job that took you from 24k to 30k you would pay some of that 6k difference but not all of it so you’d take home more. Hope that helps