Why should you help me? Well you dont have to but I would greatly appreciate it if someone in a good financial position could help me out. I have 4 credit cards to pay off that I run up when I had no money and was living off an overdraft. I really want to start paying them off however cannot as my current income is just enough to give to my mum for all the priority bills such as food, gas, water and council tax etc. We also rescued a cat last year so my income goes towards the cats food and vet bills too. Please can someone help me as I have really hit rock bottem and need help.