opinions needed...please

Happytogetdebtfree

Hi katie just wanted to wish you all the very best xx

[Deleted User]

It sounds like you're already well on your way to being debt free!! (So well done you ).But also sounds like you're just in a bit of a motivation rut.

I agree with others, that a new SOA might re motivate you - as you'll be able to see how well you've come on since posting your first SOA

Also, check out the "up your income board" for ways of getting a little extra - ebay, gumtree, amazon, survey sites etc

Once you're debt free you'll have so much spare cash left at the end of each month to treat yourself and your kids, overpay on your mortgage, go on holiday and all the scrimping now will all be worth it.

Debt wise, my best advice is that once you've paid off the minimum payment on each debt each month throw your spare cash at the debt with the highest APR and your total debt will go down quicker.

Might also help motivate you if you work out when each of yor debts will be paid off - and as each one's paid you'll have extra cash for getting the ones left paid quicker.

Good luck