Newbie on Debtfree - any suggestions anyone?

dbushes

Hi Musicabc,

Thank you so much for your response to my post.

I will be looking into that one today.

Good luck with this using MSE as there are some pretty amazing people out there ready and willing to help.

Bx

dbushes

Hey DFW's,

I have listed more stuff on Ebay today, so should have more money to allocate to debts this month.

The prize I won and put up on Ebay is currently at £36 with two days left to run. Whoop whoop. That will be added to my debts defo.

Me thinks I will be listening to the radio more often lol.

Bx

dbushes

Good afternoon DFW,

Well what can I say except this journey is getting very very interesting.:)

I am looking at money in a totally different way now. :eek:

I think before I spend. Trust me this is another LBM for me.

I have my first wage since my LBM coming in and am looking forward to seeing how much money I can allocate to my debt based on all the savings I have already made this month.

Will let you know how I get on.

Cheers :beer: and thanks for all of your help and support.

Bx

dbushes

Me again. Well I have joined a number of other threads and want to thank everyone who made a comment on this thread and gave me advice.

I will be closing this one now.

For a final update I was thinking of going down the line of an IVA because I had no room in my budget to move. I have now managed to secure a 2nd job and this will allow me to start making a real dent in my debt.

1st I will pay off my highest interest credit card.
2nd when this is paid off I will negotiate with that company for a 0% rate and move the next highest onto that. I will continue with each credit card until all are at the 0% rate.
3rd once all are at the 0% rate I will then pay off each card with all extra money I earn.
4th I will save whatever money I can to pay off my loan early and hopefully save myself even more money.

I think that make sense.

Thank you all again and see you on some other pages.

Bx