OK, not a huge debt but I want it gone

leni

This only my personal debt, as OH has about £2000 on credit cards but he's away and I can't find his statements, but anyway!

At 11am I had...

Natwest Credit Card £1543.00
LloydsTSB Credit Card £768.28
Egg Credit Card £29.87
Slate Store Card £209.96
total £2551.11

I've managed to pay off the slate card and up my direct debit on the egg card so as of the 23rd March, that will be paid off!

So as of the 23rd March, my debt will be £2311.28

Also been going through my bank statements and out household bills and noticed as most things are up for renewal this month, I can make savings on out House and Mortgage Insurances, reducing sky, changing utility suppliers, hopefully savings £60 a month through that! wish me luck!

comping_cat

Good luck Leni!!! Im sure you can do it. :T

moozie_2

Good luck! You are starting out with the right attitude and you are tackling all the right areas. Very well done and keep us posted

LookingAhead

It sounds like you are on a mission! :T

You didn't list your APRs for the remaining two credit cards but I am assuming you are paying the highest APR first...? I'm getting the impression around here that that's the thing to do...

But congratulations anyhow....keep us informed!

leni

all credit cards (except the EGG) are 0% APR's, need to change them soon, as the 0% is running out!

LookingAhead

Well sounds like you're onto it. :T

:beer:

Miffi_2

Hi Leni
You seem to be on the right track, well done!

I've not got a huge debt either, but paying it off means I'm not saving anything and it does bother me tremendously. The money I'm using to pay it off could be going in to a savings account or being spent on something much nicer, but I spent that money, so I've got to sort it out.

Well done, you will get there!

Mx

leni

quick update, today I've also changed my Home and Contents Insurance, saving us £5.05 a month, and just changed our mortgage protection, life insurance and critical illness cover, saving £22.80 = total saved £27.85 a month!

target tomorrow is to change utility suppliers and find a new 0% credit card:D