what order should i pay my debts in?

littlepinkstars44

Burlesque_Babe wrote: »

Buy a bag of cous cous, some spring onions, pound of tomatoes, a lemon and some raisins or an apple. Total cost around £2.20. That will give you cous cous salad all week if you wanted it!

Thanks, i don't eat fruit or veg, never have done.
Another one of my many phobias

littlepinkstars44

loaner wrote: »

I suggest updating your SOA to include everything. Until you get it all listed in one place, it is difficult to tackle, and difficult for people to give you constructive advice without wading through hundreds of posts.


Mobile phone debt, planned Xmas spending, woolwich account, barclays account, anthing else lingering etc. Forget about saving completely, it is just making things worse.

Find out the exact terms of the BOS overdraft (are you being charged interest, what is the balance). Include the RBS credit limit.

Do a spending diary so you can account for all expenditure. Go through your bank statements, find out where the money is going. (You seem to be spending £25/day currently, so that £45 will be gone by the weekend if you aren't careful.).

Well i just found out about my phone yesterday. I'm not including my current RBS account as debt at the mo, as its a student account and i will have another 2 years before i need to start paying it back, so would rather get everything else gone in the mean time.
I don't keep bank statements, to be honest i barely even glance at them/open them before chucking them in the bin.

How can i find out about my Bank of Scotland account when i don't get any statemnets through for it, or have the card for it anymore?

littlepinkstars44

Ok have just looked at my account online for the past 2 weeks statements, like you said...

littlepinkstars44

loaner wrote: »

There's probably too much detail there (from an ID fraud/privacy/security POV), you might want to edit or delete it quick. I mean't you need to analyse where the money is going, not post it for all to see.

But since you have.... you are still spending too much, on "stuff", particularly on Mondays.

Call BOS up, or pop into a branch

thanks, have deleted it now.
Going to start a new thread - my spending diary!

Ally16

i agree with gallygirl pay off the new look card, pay it as quick as u can and cut it up that will make u feel good!

Im like u 21 bad credit rating and a hell of a lot of debt it sucks!!

We'll b fine...hopefully ha ha ha

littlepinkstars44

Ally16 wrote: »

i agree with gallygirl pay off the new look card, pay it as quick as u can and cut it up that will make u feel good!

Im like u 21 bad credit rating and a hell of a lot of debt it sucks!!

We'll b fine...hopefully ha ha ha

Fingers crossed!