Help needed from newbie... :(

roswell

your husbands lunch is £3 a day in 20 days thats £60 if he only works 20 days a month thats £720 a year, that shoudl easy get him his driving licence

bikerqueen

If you need the car to get to work can you ditch it when you go on mat leave?

immoral_angeluk

But I'd still need the car when my maternity leave finished and with 2 children we need a safe reliable car and not a £500 banger that'd kill us all....

immoral_angeluk

As for my husbands lunch, he got a £1 lasagne from tesco last night and took it to work with him this morning so that's already a saving of £2 Not much but it's a start before we sit down and talk about it properly!

lynzpower

WHat are the APRs on your debts?

immoral_angeluk

Barclaycard is 19.9%, Capital One is 29.9%, Citi is 27.9%, Mothercare shows as having £227.07 at 1.87% and £265.01 at 2.15%????, Dorothy Perkins doesn't say but to give you an idea the interest on £549 was £11.90 (based on a previous bill), blackhorse have no idea (slap on wrists), the car is 24.1% , and my husbands citi is also 27.9%.

lynzpower

well the MOST important thing you can do in your efforts to get debt free is to move your debt to lower or 0% APR cards

how is your credit rating?

have you cut the cards up?

immoral_angeluk

The cards are cut up but our credit rating is rubbish hence why they're all high interest! Stuck in a catch 22 unfortunately. Asked for a extension to my credit limit on the barclaycard but they refused because I'd had a payment that was a day late because of my bank.

lynzpower

i tell you whats worth a try. Phone up one of your cards and lie, say youve been offered 0% or 3% whatever by someone else. would they be able to match it, as you like thier company and want to stay loyal ( bleuurgh) but it CAN work, Ive had 2 companies do this so far.

good luck

Penny-Pincher!!

How is your account with BC? May be worth calling them and asking for a limit increase then asking what offers they have on BT's....may be worth a call and lowering interest rates!

PP
xx