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I have decided to be honest with myself new SOA
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Work out if the overdraft is costing you more in interest than the Barclaycard or Barclay loan. If you can get £3000 for the car put it on the loan. If you can't then I would pay off the Mobile phone bill, Barclaycard and HFC laptop. Then use all that spare money to pay off the Barclaycard loan. Slowly reduce the overdrafts that way you get used to living within budget gradually. If you suddenly took away the overdraft you could find yourself borrowing again on loans or cards.0
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I agree with Totallybroke on the cigs vs baccy thing. I already owned a rolling machine coz I can't roll very well, but my savings are up to 60%. I used to spend 90 quid a month on cigs, now I spend 30 a month on tobacco.Not an expert, but I try and contribute and I'll always listen. Middle child of middle child parents. I drink way too much coffee.
Debt Free Date: March 20130 -
Im trying with the tobacco thing, i do have a rolling machine, i suppose its me being lazy. Here is a list of things im going to do tomorrow.
Check Jobcentre site
Post CV on web
Look for accounting course
Get car valuation
Sort out stuff to post on ebay
Daily clicks
Check for any surveysBarclays OD -£805.93/limit £800 A & L OD -£350.00/limit £250HFC (laptop) £549.00, Barclays Loan £3033.00, O2 £331 (227.70 left)(defaulted):eek::eek::eek:0 -
Phone Barclays and see if you are elligable for Barclayloan Plus. The APR you are paying is shocking. Rates for BL+ start at (iirc) 7%. That'll save you a reasonable amount!Starting Debt: ~£20,000 01/01/2009. DFD: 20/11/2009 :j
Do something amazing. GIVE BLOOD.0 -
I have had a NSD today which im glad of after the weekend with OH 2 youngest here. Had to go out and buy lotion for their hair as had little visitors, as they do every time they come over. I keep wondering why their mother doesnt do their hair but leaves it for me to do. It seems like every time they come over they are riddled with the things!!! At least i know its done when they come here, i would hate it if they are getting picked on at school. Will also need to take DSD to opticians as she has needed to go since before xmas but her mother hasnt bothered with that either. Im wondering if its because i mentioned it??????Barclays OD -£805.93/limit £800 A & L OD -£350.00/limit £250HFC (laptop) £549.00, Barclays Loan £3033.00, O2 £331 (227.70 left)(defaulted):eek::eek::eek:0
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Thanks Lee i have asked them if i can change the type of loan i have but as i previously defaulted and have terrible credit record they wont budge. Thanks thoughBarclays OD -£805.93/limit £800 A & L OD -£350.00/limit £250HFC (laptop) £549.00, Barclays Loan £3033.00, O2 £331 (227.70 left)(defaulted):eek::eek::eek:0
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Worth a try
Good luck with the other ideas though ! Starting Debt: ~£20,000 01/01/2009. DFD: 20/11/2009 :j
Do something amazing. GIVE BLOOD.0 -
I was going to have a NSD today but needed some bread. On the up side though i have just sold a WII game on amazon for £8 yey meBarclays OD -£805.93/limit £800 A & L OD -£350.00/limit £250HFC (laptop) £549.00, Barclays Loan £3033.00, O2 £331 (227.70 left)(defaulted):eek::eek::eek:0
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well, i aint had any luck with finding a new job or listing stuff on ebay/amazon. hope for better day 2moroBarclays OD -£805.93/limit £800 A & L OD -£350.00/limit £250HFC (laptop) £549.00, Barclays Loan £3033.00, O2 £331 (227.70 left)(defaulted):eek::eek::eek:0
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Sending you positive vibes for the job hunting
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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