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my soa what do you think ?

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  • lynzpower
    lynzpower Posts: 25,311 Forumite
    10,000 Posts Combo Breaker
    You could reduce your BT. Is that for the line & call package, seems a bit like what I had before? Something like talk together or whatever its called evenings & weekends 17.99 a month?

    Whatever it is, theres a free version of it Primus 2. http://www.uswitch.com/directory/home-phone/product-5920-primus-planet-talk-saver-option-2.html

    If you choose to do this, go through quidco and get £8 cash back, by choosing this, or other call packages via uswitch.

    So effectively all you will payfor is the line rental.

    TLC, you are making amazing progress, be proud of yourself :)
    :beer: Well aint funny how its the little things in life that mean the most? Not where you live, the car you drive or the price tag on your clothes.
    Theres no dollar sign on piece of mind
    This Ive come to know...
    So if you agree have a drink with me, raise your glasses for a toast :beer:
  • beanielou
    beanielou Posts: 95,643 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    TLC
    I think you are doing really well & you come across as being really foccussesd(SP?)
    Keep it up hun
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • T.L.C
    T.L.C Posts: 84 Forumite

    thank you all for your help.
    Its taken about 4 years so far

    were down to one cc now were hoping to get a 0% one soon and bt to that.

    if not i make it
    17 weeks at £200 to clear it
    so it should be over by christmas
    :j
    BIG THANK YOU TO MSE AND ALL YOU GUYS
    :T
    "PIG TAX"
    1p2p5p saved in my pig £2 coins saving
    light bulb fully switched on nov 05 :idea:
    Official DFW Nerd Club - Member no. 087
    :eek: im debt free now
  • beanielou
    beanielou Posts: 95,643 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great result TLC
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • looneyleo
    looneyleo Posts: 516 Forumite
    well done TLC - I'm assuming that stands for "Totally Loathed to Credit"!!! hope you have a fab chrimbo... it isn't that far ahead believe me...they'll be playing the songs in the shops before you know it!

    Take Care...looneyleo
  • T.L.C
    T.L.C Posts: 84 Forumite
    looneyleo tell me about it it was september for the fire works and october for the christmas puds in tescos last year i swear lol :rotfl:
    this year hopefully jingle pockets not gingle bells for me
    in the shops im the one with my head phones on singing something non christmas
    i hate it when they play the songs in every shop how many versions of
    merry christmas is there :eek:
    the TLC is tender loving care what im going to give to my new money in the df years i hope lol
    "PIG TAX"
    1p2p5p saved in my pig £2 coins saving
    light bulb fully switched on nov 05 :idea:
    Official DFW Nerd Club - Member no. 087
    :eek: im debt free now
  • isgman
    isgman Posts: 490 Forumite
    Well done for reducing your debt so far, your doing great. keep it up....
    :beer: Keep your Chin up.. it can only get better :beer:
    :confused: I'm one of those people who was born to have money, :confused:
    :confused: but I just don't have any!:confused:
  • BertieMeldrew
    BertieMeldrew Posts: 923 Forumite
    T.L.C wrote:

    thank you all for your help.
    Its taken about 4 years so far

    were down to one cc now were hoping to get a 0% one soon and bt to that.

    if not i make it
    17 weeks at £200 to clear it
    so it should be over by christmas
    :j
    BIG THANK YOU TO MSE AND ALL YOU GUYS
    :T

    Well done... and good luck...
  • T.L.C
    T.L.C Posts: 84 Forumite
    thanks guys xxt
    "PIG TAX"
    1p2p5p saved in my pig £2 coins saving
    light bulb fully switched on nov 05 :idea:
    Official DFW Nerd Club - Member no. 087
    :eek: im debt free now
  • T.L.C
    T.L.C Posts: 84 Forumite

    cc is now 3400.00
    overdraft is still 1000.00
    but getting there
    just got excepted for tescos cc so will bt to that and pay it off
    "PIG TAX"
    1p2p5p saved in my pig £2 coins saving
    light bulb fully switched on nov 05 :idea:
    Official DFW Nerd Club - Member no. 087
    :eek: im debt free now
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