'The Paper Hatters - our aims for 2010'

doodledo_2

Evening ladies I have found you

Really missed you guys I am so off track its shocking, so please keep me back on board.

My aim for 2010 is to fill up an ISA by Dec 2010

CAFC sorry things are a bit crappy, can't wait to see your little boy though when he arrives xx

clearmydebts

doodledo wrote: »

Evening ladies I have found you

Really missed you guys I am so off track its shocking, so please keep me back on board.

My aim for 2010 is to fill up an ISA by Dec 2010

CAFC sorry things are a bit crappy, can't wait to see your little boy though when he arrives xx

Welcome back
x

too_much_debt

Hi Doodledo

Nice to see you here, that is a good aim for 2010.

I'm going to try and save a bit up even though I still have £20k worth of debt left, at least I am 4 credit cards less than I was a couple of weeks ago. I put £500 in my Post Office ISA but will probably open another one for this tax year with a better rate, I only had £2 in mine until I put the £500 in there so won't get much interest but maybe I can transfer it into a new one.

I also opened an ING Direct savings account, apparently you can have a few and call them a name ie. 'Holiday Fund' for one, 'Christmas' for another or something like that, am still waiting for some stuff to come through.

clearmydebts

too_much_debt wrote: »

Hi Doodledo

Nice to see you here, that is a good aim for 2010.

I'm going to try and save a bit up even though I still have £20k worth of debt left, at least I am 4 credit cards less than I was a couple of weeks ago. I put £500 in my Post Office ISA but will probably open another one for this tax year with a better rate, I only had £2 in mine until I put the £500 in there so won't get much interest but maybe I can transfer it into a new one.

I also opened an ING Direct savings account, apparently you can have a few and call them a name ie. 'Holiday Fund' for one, 'Christmas' for another or something like that, am still waiting for some stuff to come through.

It must have been a load off your mind to pay off 4 credit cards

too_much_debt

clearmydebts wrote: »

It must have been a load off your mind to pay off 4 credit cards

Yes it was a relief to get rid of 4 of them, the interest on the 4 a month was more than the interest on my MBNA (just) so decided to get rid of the 4 smaller ones and keep the one bigger one, although that is at 23.9% and have about £6k+ on it so need to do a transfer to something else for more than 6 months though.

Just need to get used to the other 4 statements coming in and knowing when I need the money by to pay them, I'm doing all my PAD's to MBNA to try and get it down quicker. The other 3 I have are at low rates 6.9% until paid off, 7.9% until paid off and 0% for another 10.5 months.

doodledo_2

I am not sure what ISA to join I am all confuddled by them all :j

too_much_debt

Just got the MSE newsletter in my e-mail, it does say something about ISA 3.2% but haven't read it yet, will have a read through it in a minute.

clearmydebts

Another £20 off as I am using a present from my present stash, so the cash I would have spent is going off the credit card

too_much_debt

Isn't it great when you have a present already, DD2 had a party last weekend and I had something that I bought in the Sainsbury's sale last year.

tirlittan

Hi Ladies!
Sorry I've been AWOL. I did notice we've started another thread (which I think was a fantastic idea) and I thought I'd subscribed to it, but had to re-find it today.

I'm still bit 'lost' since the split up, and have kind of just been taking it easy and kept myself occupied, but there are lot of debt related issues in my mind that I'll come to talk to you later about.

Good luck to us all for 2010! Let's make it count!