first time

tryinghard40

well took this step and am going to be asking some questions over the next few weeks to try and get myself soerted. my hands are shaking while writing this! well my first qusestion?

we have a credit card with lloyds and its at its limit, we are paying the minimum at the moment as that is all we can afford but is there any way of getting the payyments chaeper as all the money seems to be going on interest etc and not the balance (we are not using or planning to use this card again).

Electric_Mayhem

I can sympathise with the shaking hands, I just made my first post too! :wave:

I'm sure someone much more experienced and knowledgeable will be along soon to help you out

Numpty_Monkey

:hello:Hi tryinghard
you can stop shaking, you've found a great place here,
and we've gone international with Electric Mayhem:D

The first thing you can do is do an SOA all your income and out goings
use this http://www.makesenseofcards.com/soacalc.html

Unfortunatley interest is a pain, you can ask your CC company to accept lowerr paymentsfor a while or hold interest
better advice will come when we get a fuller picture

welcome aboard

tryinghard40

off to fill out form but might take me some time but will add everything to it as have other debt and see what happens.

Numpty_Monkey

Don't let it scare you,
It is a start