I've finally done an SOA....oh god, help!!!

ellerose

In a city centre there isn't a side street that isn't metered!!! I battled for six months shifting the car about and to be honest ended up with tickets/paying at the meter etc and probably spent as much. It isn't because the car's valuable, just because that's all there is. Like I say, I want rid as soon as I can do public transport!!

toontastic

Just been looking at your cards, I understand that you can't get new credit to lower the amounts. That's fair enough. But is there any way you could transfer some of the balances around ? I'm thinking shift the Oasis debt onto the Amex card. That would mean you would be saving money on the interest if nothing else. At the minute with the small amount your paying off the oasis card and the high interest you can't be getting rid of that card pretty quickly? Just so if you can juggle the amounts around to save you some interest money.

toontastic

You also might want to check out this http://www.nationalcarshare.co.uk/

ellerose

toontastic wrote: »

Just been looking at your cards, I understand that you can't get new credit to lower the amounts. That's fair enough. But is there any way you could transfer some of the balances around ? I'm thinking shift the Oasis debt onto the Amex card. That would mean you would be saving money on the interest if nothing else. At the minute with the small amount your paying off the oasis card and the high interest you can't be getting rid of that card pretty quickly? Just so if you can juggle the amounts around to save you some interest money.

The Amex was an introductory offer, so transferring balances would be higher now, but probably much cheaper, you're right. Will have a looksee when at home later.....

jacey98

hi just wanted to pop in to say hello and well done on the diary im not quite brave enough to start my own yet!!!

ellerose

Thanks Jacey! It's taken me ages to get to the SOA stage myself, never seemed to have the time/courage to really sit down and write it all out....

jacey98

yeah can definatley go with that have many scraps of paper with differnt amounts everywhere.......time i think is the biggest problem not enough hours in the day for everything but going to have to prioritise i think!!

Silaqui

Hello Elle,
hows things going? Hope you have something nice planned for the bank hol weekend!
I'm having a party tomorrow night and going to the seaside on monday - have set myself a strict budget!!

xx

ellerose

Sounds lovely Silaqui! It's my boyfriend's birthday on Monday but he knows I'm skint, so I got a DVD cheap from Blockbuster (£3) and I've promised to make him a nice dinner tonight - it's the thought that counts!!
Time for the ironing first though......