Advice please, debt problem

miss_missy

RAS wrote: »

You need to throw everything at the halifax debt. Have you anythign you can put on e-bay, amazon or do a car boot sale?

I strongly suspect that your food budget is under-estimated.

i agree with ras the halifax has to go
if you reduce entertainment to 100
that gives you 100 plus the 275 spare money plus holiday sorry but no holiday another 41 plus 80 you pay to halifax already = 496 and pay it to halifax you could have the card paid off in 6 months poss earlier if you can find a little more cash sell stuff etc
working this way through your debts you could be debt free in approx 12 months but you have to work hard at it

peter1984

I have used ebay in the past to buy and sell, but I havn't got anything of real value to put up, only clothes.

Regarding the food, eating out was calculated in the entertainment section therefore cutting this down to £100 will be really hard.

Thanks for the advice, so I should just leave the egg card for now? the 0% is up in July.

Should I apply for more cards credit cards with 0% balance transfers or is there no chance of getting one?

RAS

What does the egg card go up to in July?

peter1984

16.9% pa variable

RAS

So the helifax is more expensive even then, so that is what you put every last penny into after paying the minimums on the others.

See the snowball on www.whatsthecost.com and run both scenarios.