I get paid monthly but my overdraft is higher than the money coming in every month and so I don't ever pay the whole overdraft off. I've got three credit cards, a store card and a personal loan. I pay the minimum repayments on all the cards. Because I've never got any spare money I can't see to getting rid of the overdraft and I'm just going around in circles. If I had money over I could pay off a bit more on the cards to get them down, maybe balance transferring a couple of them. I don't know what to do and its stressing me out and getting me a bit depressed really. My overdraft is around £1,500. Do I try and get another loan to get the cards paid off? Do I get another card which transfers money into my bank account to get rid of the overdraft? Any advice would be welcome - please!