We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Just wanna cry :(

1…34689…14

Comments

  • mags33_2
    mags33_2 Posts: 249 Forumite
    sugarpants wrote: »
    Thanks for all your lovely posts about the kids..Its really making me feel not so bad about not holidaying etc..

    And youre right at least my kids will definatley not be spoilt brats and appreciate the best things in life are FREE!!..for example the advice on this forum! YIPEEE!!

    brilliant post :T
    :mad: sometimes my debt panics me..... EVEN after 4 years or so.

    I will be free in less than three years with a trust deed - my only option as debt management was taking too long :(
  • sugarpants_2
    sugarpants_2 Posts: 601 Forumite
    Pinkprincess
    Got your pvt post..thanks
    SAVING FOR OUR FIRST HOUSE DEPOSIT

    15,000 NEEDED /35,000 SAVED SO FAR! :j
  • Barneysmom
    Barneysmom Posts: 10,136 Ambassador
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    sugarpants wrote: »
    Thanks for all your lovely posts about the kids..Its really making me feel not so bad about not holidaying etc..

    And youre right at least my kids will definatley not be spoilt brats and appreciate the best things in life are FREE!!..for example the advice on this forum! YIPEEE!!


    I'm wondering if we could nominate this as post of the month? ;)
    I’m a Forum Ambassador and I support the Forum Team on the Old style MoneySaving boards.
     If you need any help on these boards, please let me know.
     Please report any posts you spot that are in breach of the Forum Rules by using the Report button, or by e-mailing forumteam@moneysavingexpert.com.
     All views are my own and not of MoneySavingExpert.com
  • tesuhoha
    tesuhoha Posts: 17,971 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Mortgage-free Glee!
    Just a small thing I noticed. Your smallest debt is £590. Why dont you if you have extra money at the end of each month, just pay the minimum payment on the two largest debts for a couple of months of so and whack the rest of the money off the £590 debt. If you do that you will get rid of it and it will make you feel much better only having 2 cc debts. Then you could tackle the next smallest. I havent looked at your interest rates though so ignore me if that sounds like rubbish advice.
    The forest would be very silent if no birds sang except for the birds that sang the best






  • barrys-lass
    barrys-lass Posts: 205 Forumite
    Well done for getting your debts down so much, you are definately on the right track. As for Debt Management Programme it will afftect your credit rating as i have just spoken to Barclaycard for OH I wanted to put hold on interest and queries if this will affect credit rating and unfortunately the answer was yes, and i think im right in thinking that it stays on your record for 6 years. Are you saving for a deposit on a house?
    Barclays OD -£805.93/limit £800 A & L OD -£350.00/limit £250
    HFC (laptop) £549.00, Barclays Loan £3033.00, O2 £331 (227.70 left)(defaulted):eek::eek::eek:
  • tesuhoha
    tesuhoha Posts: 17,971 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Mortgage-free Glee!
    Ive just gone back and looked and that ones on 0% so ignore what I said. I think it would be an idea to pay the minimum on that and the second lowest and try to pay off the one with the highest interest rate first (with all your spare money) if you are not already doing that.
    The forest would be very silent if no birds sang except for the birds that sang the best






  • sugarpants_2
    sugarpants_2 Posts: 601 Forumite
    Just had a thought i have saved lots of teco clubcard pts so off to see if I can use it against weekend away or simular. 2 more hours and we will be eating our beans ..lol
    SAVING FOR OUR FIRST HOUSE DEPOSIT

    15,000 NEEDED /35,000 SAVED SO FAR! :j
  • sugarpants_2
    sugarpants_2 Posts: 601 Forumite
    Is there a post of the month?

    Thanks BM *blushing*
    Barneysmom wrote: »
    I'm wondering if we could nominate this as post of the month? ;)
    SAVING FOR OUR FIRST HOUSE DEPOSIT

    15,000 NEEDED /35,000 SAVED SO FAR! :j
  • Barneysmom
    Barneysmom Posts: 10,136 Ambassador
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    There is but I don't know how to do it?
    I’m a Forum Ambassador and I support the Forum Team on the Old style MoneySaving boards.
     If you need any help on these boards, please let me know.
     Please report any posts you spot that are in breach of the Forum Rules by using the Report button, or by e-mailing forumteam@moneysavingexpert.com.
     All views are my own and not of MoneySavingExpert.com
  • pink_princess
    pink_princess Posts: 13,581 Forumite
    Barneysmom wrote: »
    I'm wondering if we could nominate this as post of the month? ;)
    Unfortunatly they ve stopped it now,it was something i always liked to read also.(the nominations).:mad:
    Life is short, smile while you still have teeth :D
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture