Taxis back to basics...debt and mortgage free before 50(feb 2014)

shaun40400

morning...must be in the water,,,or lack of it,,,,,:D
bed at 2am up at 5-30 not the kids fault either
sxx

The_Dragon

I've heard of this strange thing called sleep and wish I could try it someday!

taxi73

Sounds like we are all suffering from it at the moment.

[Deleted User]

Morning Taxi,

Sorry that your not getting much sleep at the moment, everyone seems to be suffering at the moment.

Tea
x

In_Search_Of_Me

aww hope you sort the sleep out - nowt worse! Snow here...hope you havent got any?

taxi73

Thankfully we don't have the snow and nor do I want it!!!!..had enough of that stuff to last a lifetime.
I'm in the middle of brainstorming stuff at the minute and will let you know the results as soon as I do...LOL.
I think all this thinking is whats stopping me sleeping properly and I need to sort it once and for all.

hypno06

Good luck with the brainstorming - I find that it has excellent results!

turfy6

Hi taxi sorry youre not sleeping, hopefully you may be having 40 winks now.;) Good luck with the brainstorming

taxi73

Thanks...Where do I start?

Think I need to re-arrange the way I'm paying things.
I need to take the mortgage out of the equation at the moment I think.
Halifax 0% ends about march.
A+L 0% ends june
Both other cards are on LOB deals.

I have £1775 in egg savings
I put £500 p/m in Halifax reg saver at 5%....this will be £6500+ int in Oct....not worth stopping this as will lose all the interest.

My thinking is to take the EGG savings and pay it off the Halifax CC and still throw loads at it to clear it before the 0% ends hopefully.
Then throw every penny at A+L hope fully clearing that before June.

The reason for doing these first is 0% deals are hard to come by and the LOB are lower interest than what the 0% cards will go up to.

In Oct the Reg saver matures and then I can pay 2 loans off and free £400p/m OR pay the remainder of the CCs ...not sure which yet but probably the loans.....as this willleabve loads to pay off the last 2 CCs...

What do you all think?

taxi73

Have submitted my meter readings today :
My gas bill....£162.24
Electric.....£140.33
These are for 1/11/09 to 19/01/10

Is that expensive?....my DD left me £20 something in credit.

Need to sort out the tax and book an MOT ...the MOT is a sickener as the car is only 18 months old but it needs one for licensing...Don't they know I've got loads of debt to get rid of?