I'm ready to sort this mess out now!

butdoineedit?

Hi Sugarplumfairy

Nothing really to say about your SOA cos mine is a shambles, but i know some of the clients i work with are entitled to exercise prescriptions due to it being a health necessity. Is this something you could maybe ask your consultant about? It might mean you could keep the gym without the extra cost?

sugarplumfairy83

So much for ceasing to use my credit card - had to take my car to the garage yesterday and pay out £43 for a new tyre Not an obscene amount I know but it adds up. I also have to get to London this weekend for family reasons and that's another £66. It just seems whenever I take steps to take the situation in hand, something rears its ugly head that necessitates more expenditure.

Do any of you think it would be worth my while trying to get another 0% credit card and transferring my current balance (as my 0% deal runs out next month)? And this time, instead of holding on to it and continuing to use it I plan on immediately handing it over to my Mum, who lives over 100 miles away and not memorising the number!

katsu

I can't see the harm in making the application, although I imagine these days you might get turned down. If you do get it I would stick it in a bag in the freezer or just cut it up after the BT.

Even if your debt is going the wrong way, focussing on it must be better than ignoring it.

Redo your SOA and add in all the additional things you are talking about - you should be able to add the extra debts on and the gym.

Can you go to the local council leisure centre for a cheaper gym?