My new and improved SOA!

Flower08

littlepinkstars44 wrote: »

Think i might pay that off once i get my travel expenses in

I think you DEFINITELY should. If you dont what else will the money go on? Do it before you have chance to change your mind.

littlepinkstars44

I was planning on paying off my new look card, and the rest towards my topshop card.

Have no idea when i'll get my money, applied on the 14th December, and the past 2 years it was in my bank a week later, but still no sign of it yet!

closed

Snowballing is highest apr first, minimum payments on the rest, (and nothing in a saving pot;))

savingmummy

Defo pay them off and cut up cards/close accounts

littlepinkstars44

closed wrote: »

Snowballing is highest apr first, minimum payments on the rest, (and nothing in a saving pot;))

So go with the Very account then?

And ive told you before my reasons for my change going in a tin, so just get over it and stop bringing it up. You are not going to change anything

hypno06

littlepinkstars44 wrote: »

And ive told you before my reasons for my change going in a tin, so just get over it and stop bringing it up. You are not going to change anything

People are genuinely trying to help you here, littlepinkstars. I think you are very lucky that you have so many people coming back time and time again to offer you some very sensible and workable advice.

Responding as you have above, is not conducive to receiving sensible and helpful advice in the future.

My one piece of advice to you would be to take on board all the very good advice being given on your various threads. You've received advice on snowballing, advice on spending, advice on budgeting, even being given spreadsheets and potential dates for being debt free......yet time and time again you skirt round the issues, ignore the advice and make excuses.

You are lucky that so many people have offered you this advice, and as I say, it is all pretty workable in your situation......do yourself a favour, not just for now, but for the rest of your adult life, and take real advantage of that advice.

pixiechick99

Hypno has just said what I was thinking (but couldn't put it quite so eloquently!)

savingmummy

I don`t think you are wanting to do this as much as you say tbh. As others have said there are alot of people giving you great advise (not many get as many replies).
If you really want to be debtfree you NEED to do these things.
When i came on here and posted my SOA people highlighted areas and advised - i jumped to it! No ifs or buts.
You don`t seem to have hit the lightbulb moment at all and this is 100% required x

Flower08

hypno06 wrote: »

People are genuinely trying to help you here, littlepinkstars. I think you are very lucky that you have so many people coming back time and time again to offer you some very sensible and workable advice.

I agree here. I offered lots of advice on your first thread that you opened several months ago. Much of it you just ignored - didnt even acknoledge that i had even posted which i thought was very rude!!

But when i saw you start a new thread i came back to offer more advice - which i really didnt have to do!

People want to help, please dont talk down to them. You are so lucky people are willing to help.

littlepinkstars44

Closed has commented a number of times about how i shouldnt be saving up my loose change. And i have told him/her so many times, i appreciate their imput but it is working for me!
20p here and there is not going to make much of a difference, but if i let it build up to a substancial amount, it can help me to make a dent in something! If i didn't put it in my tin, it would probably go towards my brothers bus and train fare to school everyday. So it's better in my tin, waiting to build up, then in my bank, then going towards one of my debts.