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Needing some positivity
Comments
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Hi and welcome... I think you need to keep some perspective - yes pay off debt as quick as poss but at least you have assets so that is in your favour...
Is it worth seeing if your own bank would allow a credit card transfer at a cheaper rate?
Also can you literally not touch the bond - how much is the penalty for cancelling out of it - if this is less than the interest you will pay on the 10K of debt it may be worth doing anyway...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/260 -
Hi,
Just wanted to say thanks to everyone who sent a message of encouragement.
I have telephoned sky and got £18 a motnh knocked off my bill
I have also joined the earn £10 a day for a month and have listed loads of things on ebay and amazon so very excited abotu that.
If any body else has any income boosting tips that would be great
Thanks
Lorna :Tdebt at LBM - £29163.15 :eek:
October £10/day challenge - £465.30/£310
October Shopping Challenge - £179.99/£200
October loose change - £13.59
Cashbackextreme - £15.080 -
Well done on the Sky bill:T
Have you tried the surveys and daily clicks, not much per day but you can get a few extra ££ for xmas this year if your lucky
Have a look at this thread started and continued EagerLearner
http://forums.moneysavingexpert.com/showthread.html?t=609037
You can PM EagerLearner for the list
but my advice is do them one at a time get used to it and go to the next one
And if you buy anything online signup to the cashback sitesPROUD TO BE DEALING WITH MY DEBT NERD #869
DFD 5/1/16Numpty,Not sure why but I'm crying
. Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & 
for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
xx0 -
Welcome Doyda,
Some positivity, your situation is very fixable, it'll take some thought and application with, possibly, some help from from a dmp charity.
On the house 'abroad', you could sell it on, or.....it doesn't matter where the 'abroad' is we DFWs could all do with a cheap holiday home...everyones a winner:j
:D stay wonky :D
....one-way ticket to Portugal booked !0
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