Amy and Jon bite the bullet to get debt free.....

amyandjon

Thank you, i have to stay positive otherwise id worry lol id rather keep positive.... in the last month me and oh have come a long way just seeing what are spending is like.... so hopefully this time next month we will be a little further away from been in debt....i just wish i had a better amount of cash free lol shoulda woulda coulda...... its reassuring knowing your not the only one out there alone battling this just wish we hadnt been dumb enuff to get ourselves into this .... i was a student about a year ago doing my nurse training living on 500 pm.... im now a year qualified a 1000 pound better off but i got all my debt at uni if id of just waited and not been silly grrrr ive stopped looking at the whole sum im looking at the little sums.... working through it slowly ...... i was curious about cc you get your bill with the intrest of the amount you owe so if im paying every day a little something technically i dont get robbed of it with intrest because the amount i owe will be smaller does that even make sense or am i truly going crazy :O

gar123

it makes perfect sense and that's the way to look at it, if you pay a pound well you are saving say 1.04 with the interest on it

McKneff

hello, you say your internet is free through sky, but you can get your landline calls free through sky too (at least evening and weekend ones) yu can leave your rental thru BT or pay the rental thru sky at £10 per month (cheaper than BT) i have this sky package and my telephoen calls (during the day
for a month is about 40P)

your sky remains the same at £22
your landline goes down to around a tenner

amyandjon

Thanks annie il look into that then /?? il get my oh to sort it when he comes home becuase the bt line is in his name
Oh mum lives in spain so he needs international calls..... hmmm and we dont want to change number aww dear never mind we are making the payments and more besides im happy

MinBlack

My parents get their calls with Sky and they kept their old phone number. AFAIK You still rent the line from BT but your calls get routed through sky which they bill you for. If any calls are cheaper through BT then there is a 4 digit access code you can dial so BT would charge you on your bill for that call. I don't know it off the top of my head but BT would be able to tell you.

You should read Martins article on money saving on calls, there are lots of services you can sign up with where you dial the access code and get the cheap calls, they only bill you for those calls. We have family all over the world and we have a little sign stuck by the phone so we know which provider to use for which call. Once you've arranged it is no problem.

It may only save you about £5 a month but if you do 10 different things to save you £5 each time then thats an extra £50 off the debt, do it every month for a year and thats £600 off the debt. I've become a strong believer that its the small savings here and there that make the biggest difference overall.

amyandjon

Thanx for that .... il let my oh see and he can deal with it lol lol...all this money saving is tiring work lol :P

epsilondraconis

Amyandjon good to see you're still positive and all is going well.

I'm just wondering if you have any items that are currently clogging up your house that you could sell? Perhaps you could both do a car boot sale to make a bit of extra money and for a bit fun. You could also sell on e-bay, although some on this forum have had some problems with that route.

amyandjon

Hi there, we have sold everything we can on ebay no problems at the moment i have also sold my nursing books on amazon.... things are going well tonight me and oh will be delivering leaflets for his compant hopefully that will bring in more customers, thank you when i get home il also be paying a little something to my cc bills wooo hooo xx:o

taxi73

Hi Amyandjon....just found your diary and what a lovely read it is.You sound so positive and that is a real bonus to busting the debts.
Usually if you have interest bearing credit cards it's best to pay the largest interest rate one first..then throw all the money at the next one etc.
Think you are doing fantastically.

amyandjon

Hello Taxi thank you for visiting my diary, ive made use of my 200 spare on my credit card which is 0% so that 200 off a credit card with intrest te he... we have been making lots of payments, the payment a day idea is great you really feel like you are tackling it everyday im starting to feel positive ive spend 3 quid on euro millions its lucky day today8/8/8 so im hoping some one loves me lol if i win im going to be generous :P wooo wooo one can only dream eh :P hows your day been taxi ? Amy