Light bulb moment

Little_Miss_Winner

Heres the link you need. https://www.whatsthecost.com/snowball.aspx

Have a look it's great!!!

Love
pot
x

mountainofdebt

then why not look at reducing your package to say 2 bundles. That way you can keep your UK Style and opt for one other bundle and it will only cost you £15 per month.

I also have to say that your daughter's travel fare is really high. Is there any way that she could get a lift - would it be worth enquirying at the college for details of any car pooling schemes.

HLK

Hi and welcome to MSE :hello:

Couple of things - I had a look at thr RBOS site and it seems they charge for current accounts! yikes.. which level of 'Royalties' account are you on ? and do you really get any of the benefits out of it ? could you step down to a lower (cheaper) account ?

Also no landline listed - or can you really mange with 2 teenagers in the house without one :T

Just had another look at RBOS - and it seems the overdraft rate is pegged to the type of account, so maybe my first point won't help. So maybe it's time you called them and asked them if they can reduce the interest rate on their credit card, which seems to work for some, perhaps you could point out that their interest rate is preventing you from reducing the devt. HTH.

Good Luck

HLK

Whilst you feeling brave re the phone.. think about my suggestion about asking Rbos to lower their interest rate on your credit card .. you could say that you are struggling with the repayments at 17.472% APR and it would be more helpful than them offering you loans all the time. If your savings from elsewhere allow you to continue with the £250, at least it would start to reduce a bit.

Time to look at some of the articles on reducing your landline bill also, £45 is quite a bit for a month .. read this or click on the Phone & Ytilities link to the left of the page and follow the various links. Also worth looking at using Skype which is free pc to pc and would be good for the teenagers too.. eg can be chatting to a mate and sending an mp3 track at the same time! all free. HTH