my soa

chez22

talana wrote: »

I spend £10 every 3 months on mine (but I'm a bloke so not directly comparable!)

Me too! And I'm a girl!

lynzpower

laura-1984 wrote: »

if you chose to have your hair cut 4 times a year then thats fine. Its not my choice and i could not go that long with out a hair cut yuck. i dont need a lbm as its only 2200 and i have no other debt

What the light bulb moment would tell you is that in HAVING debt, you have spent beyond what you have earned.

You have spent 2200 that you havent earned, and its getting bigger every day due to interest charges.

I would also say, why not for example have one month on, one month off for clothes.

Im sure you dont NEED 50.00 per month, thats needing new items every single month.

So if you dont spend on any clothees this month you will have an extra 50.00 to pay off your debt.

savemoney

But Laura you cant spare it can you. You come for help and others are trying to help you one way is cutting down or get more income. You have to live unfortunately within your means otherwise you will get into a lot of debt. One way is finding better deals and cut down on things.

I love to have £100 a month to spend on things let alone a haircut but I cant unless I improve my income or get into debt

I was in debt some years ago, not by much in today standards. It took me 5 years to clear my debt doing card switching, I am always looks for best deals too. I didnt get any help I did it all myself, but its such a nice feeling being debt free.

Only debt I have is the mortgage now

I am sorry if I come across in sensitive it isnt my intention I just think you are over reacting, I apologise if I come across in sensitive, I been ill all day with a rotten migraine

laura-1984 wrote: »

on the soa it said monthly min payment i put down the min that my statement says. I normaly pay another £100 or more if i can spare it

laura-1984_2

Im sure you dont NEED 50.00 per month, thats needing new items every single month.

Do you know me ? No
do you know what i do for a living ? NO

As i get a clothes allowance for work its not enought to cover what i buy thats why i pay an extra 50.00

laura-1984_2

i can spare the £100 i have that left over every month and it goes on my cc please see my post at the top of this page !!!!

savemoney

People are just being helpful to you but your taken offence to some of the positive helpful suggestions

Of course no one on here knows you.

jellyhead

Is there a cheaper hair salon you could try?

I agree about needing it cut more than 4 times a year, mine needs cutting every 5-6 weeks or I look awful. I only pay £13 though, I'm a cheapksate - I get a dry cut (they spray it with water first), then go home with it wet :rotfl:

The virgin credit card seems to be top of the lists at the moment - it's 0% interest for 16 months, so with a 3% (ish, I can't remember) transfer fee that's a lot cheaper than paying interest.

savemoney

If you ask around sometimes friends of friends can do cheapo haircuts at home, I dont mean naff haircuts either

savemoney

Laura you come across as others have said as sensitive and easily offended when offence was not the intention

laura-1984 wrote: »

there is no need for name calling

You been given sound advice if you choose to ignore it well thats your choice but please dont claim to be a victim of abuse when none was given

laura-1984_2

rent is an option I pay this money towards my oh house which he has a morgate on and i only do it cause my parents said i should. He isnt fust about me paying which he has tells me every month