Would post on finance, but so little traffic over there have decided to post here. Basically my finances are in a mess. Having been so anti overdraft etc for years I have now found myself in a complete mess due to shopping as a coping mechanism. I am overdrawn to the tune of about £4000. I am working incredibly hard to stick to budgets no and make way to clear this but it still fills me with panic every day. Am absolutely disgusted with myself. Anyhoo, all that aside, my question is....would it be better to take out a small loan with repayments that I can afford to get out of the overdraft? At the moment I am looking at about £40-£50 interest each month.