Assessing your situation
If you need to borrow money, your first course of action should be to work out where you are financially. Using a budget planner is a good place to start.
It helps if you can write down all your income and outgoings. This might highlight areas where you can immediately cut back to save money.
For instance, do you stop and get a cappuccino each morning on the way to work? If you cut that out you could save at least £10 a week!
Most reputable lenders will ask you for this information anyway, so it is helpful to have this to hand before you discuss your borrowing requirements with them.