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what order should i pay my debts in?
littlepinkstars44
Posts: 2,950 Forumite
ok so i have figured out that i will have a bit of spare cash in my Jan wage, as i'm doing alot of extra hours over Christmas.
I just want a bit of advice on what to pay it/most of it to
I just want a bit of advice on what to pay it/most of it to
The dreaded debts:
Dorothy Perkins card: £120.00 29.9%
Arcadia Staff card: £200.00 29.9%
New Look card: £67.45 28.9%
Bank Of Scotland o/d: £1003.98 0% (agreed reduced payment plan of £100 a month)
Carphone Warehouse arrears: £51.73
Additions: £137.00 39.7% (have got this down from £211 at start of Oct!)
Kays: £189.00 0% (agreed reduced payment plan of £24 a month)
Simply Be: £20.00 no idea what apr is, just opened it oops
Dorothy Perkins card: £120.00 29.9%
Arcadia Staff card: £200.00 29.9%
New Look card: £67.45 28.9%
Bank Of Scotland o/d: £1003.98 0% (agreed reduced payment plan of £100 a month)
Carphone Warehouse arrears: £51.73
Additions: £137.00 39.7% (have got this down from £211 at start of Oct!)
Kays: £189.00 0% (agreed reduced payment plan of £24 a month)
Simply Be: £20.00 no idea what apr is, just opened it oops
I want to pay off my phone arears, so i can get my phone put back on, and can actually start using it again, then i think the majority will go to Additions, as i want to get that down as much as i can.
But i could probably pay off the New Look card in Jan, i'm so confused, where should i pay this extra cash to?
But i could probably pay off the New Look card in Jan, i'm so confused, where should i pay this extra cash to?
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littlepinkstars44 wrote: »
Additions: £137.00 39.7% (have got this down from £211 at start of Oct!)
Dorothy Perkins card: £120.00 29.9%
Arcadia Staff card: £200.00 29.9%
New Look card: £67.45 28.9%Carphone Warehouse arrears: £51.73 APR?
Simply Be: £20.00 no idea what apr is, just opened it oops FIND OUTBank Of Scotland o/d: £1003.98 0% (agreed reduced payment plan of £100 a month)Kays: £189.00 0% (agreed reduced payment plan of £24 a month)
Highest APR first.TOP MONEYSAVING TIP
Make your own Pot Noodles using a flower pot, sawdust and some old shoe laces. Pour in boiling water, stir then allow to stand for two minutes before taking one mouthful, and throwing away. Just like the real thing!0
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