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problemo
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Try and do the balance transfer of n the egg card, if you can get a lower rate. Might work.
And try to get a really clear idea of what you are spending each month (like presents and holiday) as this will enable you to revise yur SOA.
YOu both need to keep spending diaries and tot up at the end of each day.
And it would be an idea to go back through the last 3 months statement s to see where the money really goes.If you've have not made a mistake, you've made nothing0 -
cant do anything with the mortgage there are no options to change it at all.
i will look into the egg thing but i heard they only do short deals now so i will have to see if with the fees it will be worth it.0 -
Do you really only spend £100 a month on food?Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)0 -
cant do anything with the mortgage there are no options to change it at all.
i will look into the egg thing but i heard they only do short deals now so i will have to see if with the fees it will be worth it.
Youmncan only ask the mortgage provider. They may play ball or not but unless you ask you do not know.If you've have not made a mistake, you've made nothing0 -
sky is our only option our id seriously have no life then, the ariel at our apartments dosent work and the managment company cant afford to fix it at the mo as major work needs doing first. the charge is for tv line rental calls and broadband though so i dont think its that excessive.
Then ask them what's the £85 for?'Proud To Be Dealing With My Debts' : Member number 632
Nerds rule! :cool:0 -
we have asked them before but they are quite strict and just refer us to the original contract.
yes we do only spend £100 a month or we have done for the past 3 months infact its usually under this month i only spent 71, i started to do a big shop on payday because we used to spend around 60 a week just buying bits and bobs which usually got thrown away0 -
Teacher2301 wrote: »Then ask them what's the £85 for?
its not as easy as that, the management company is run by the residents ie me and the other owners i live in a listed building which has some costly repairs as everyone has sky already we agreed the ariel was not a priority.0 -
Thanks blueye - I thought that as this was a repair - its usually down to the management company to provide the services and up-keep of all services - but if that's you and the other residents there isn't much point.
'Proud To Be Dealing With My Debts' : Member number 632
Nerds rule! :cool:0 -
while on that subject anyone know of any charitys that would donate money towards the cost of listed building repairs, we are looking at 40k for the roof repair. lol just what we need0
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