How To Get A Debt Consolidation Loan With Bad Credit

Overdraft debt problems!!!how do I pay it back? ?

I have an authorised overdraft of £1000 with my bank and have stupidly spent it all. Every month they take the charges of what I have used and it therefore leaves me with no money to live on. I am in a complete mess and cannot even get a consolidation loan to help me as my credit rating is bad. I am aware that this situation is completely my fault but would really appreciate some advice to help me get out of this situation. Thank you.

Step 1: Get a sheet of paper and an pen.
Step 2: Write you income at the top of the page.
Step 3: List EVERYTHING you will do with money below and keep a running total of what you have spent.
Step 4: Cut EVERYTHING on your list to the bare minimum.
Step 5: Find a way to increase your income.

Without any numbers to work with, budgeting 101 is the only available answer.

Pointers for Landing a Bad Credit Debt Consolidation Loan