<prompt> Human: Hi all. 5 year lurker on reddit here. Like the titles suggests i just cant seem to get out of debt. Monthly income is 1300 and out goings are around 900. Ive got a 2000 personal loan Im repaying and at the end of my over draft on 2 cards. Im really poor at budgeting. Tried to get a debt consolidation loan or credit card to get out of debt and have 1 fixed payment but got declined due to poor credit. Any serious advice would help.  <response>: Hi OP,rukpersonalfinance is a great UK specific sub. 