Proper Skint!!!

spartan59

Can't find my bloomin barclaycard to online bank!!! I will have to give them a call to order a new one!!! dam it!!

spartan59

counted my "sealed jar" £35 going to get some money bags and pay that into my isa

spartan59

Does anyone grow their own veg??

I have some room for a small plot to grow the majority of the type veg we eat and I am going to do so this year.

But does anyone think it saves money or is it just a good pastime and nice to eat home grown?

spartan59

GREAT NEWS!!!!!

The new interest rate cut means my mortgage is only £330 a month, down from £620 at the moment!!!!!

Another £300 to throw at debts!!!!

spartan59

Just cancelled my Virgin credit card!!!!

The guy on the phone had a good point about the current ecconomic climate and it being hard to get credit and to keep the card open just incase!! But I think the £10000 limit i have on my natwest card should cover most emergencies!!

Just Barclaycard to go!! Just ordered a new card today so can't make payments until i recieve that as account is frozen until then.

spartan59

Really focused on trying to get rid of my barclay card, then I can set about my overdraft!!

Need to try to persude wifey to let me clear it with the money we get for her car should be around £4000 - £4500 But this gives us problem what to pey off

I want to pay off:

My Barclay card : £1690ish ( after I make payments next week) 17.8% Apr
Tax Credits £700
Sofa finance £350 0% Apr

Or the whole lot off Our £4000 loan well £3700 7.9% apr

Wife thinks

Clear over draft, Then tax credits

The question is whats better to pay off Credit cards etc or Overdraft

spartan59

well not too bad a week

Car is now on Ebay already had people asking to buy it now but I think we will hold on for the full auction. wife has agreed to pay of the credit cards first then see what is left over and use that to pay off tax credits.

We did our new budget and when she goes back to work next month we will have £1339 a month after bills / food etc to live on.

So the plan is to save £3500 as quickly as possible to pay off the Smaller nat west loan. So when she goes back on Mat leave we only have our two large loans to pay off.

We should also be able to eat into the overdraft aswell. I've now recieved my replacement Barclaycard so I have my £340 to pay off that but i will prob just throw that at the overdraft because we are now clearing that hopefully by the end of the week.

spartan59

Really confident about getting rid of this debt.

My wife is really on side now after I showed her how much money we had to spend on debt repayment. Out of the £1339 we are looking to save £900 towards debt and leave £439 for spending.

We are saving in our ISA's because savings rates are rubbish so we might aswell avoid the tax

spartan59

GREAT NEWS!!!!!!!!!!!!

Bidding war on Ebay for our car!!

spartan59

Car is going well we should make enough to pay off credit cards and some of the over draft.