Advice please - too much debt!

copperjar

If you're signing up to o2 broadband, go through Topcashback and you'll get £65 cashback. It really is free money. I was sceptical about it at first and it takes a couple of months to go through, but it is literally just a click through from one site to another. I'm finding that free money to pay off debts is the best you can get!

Nessie23

Adorian wrote: »

Thanks! The thing fell apart immediately afterwards (corner shop job; probably perished after sitting on a shelf for 6 years) but totally worth it to have a sink that drains. And, on a more exciting note, a tax refund finally came through today for my OH that I'd been chasing for a year. Just over £600 for 2 tax years!!!! I had to go away, make a cup of tea, go back, read it again, take it to work, ask a colleague what she thought it said before I believed it. It's going straight onto the Tesco card. I know it's not the highest rate but I've made a dent in it so I want to keep up the momentum. I'm also whittling away at the Post Office card with bits of money from selling stuff. As long as I don't get any more unexpected bills for anything....
So no invites to posh Christmas parties please, chaps. I only have two dresses and I'm not sure they fit me anymore. :embarasse

Looks like a very promising last few days! :T
Keep up the momentum and hopefully your debt-free journey might take less time than originally expected.

Adorian

Nessie23 wrote: »

Looks like a very promising last few days! :T
Keep up the momentum and hopefully your debt-free journey might take less time than originally expected.

I'm hoping so! Had a minor setback when OH used mobile to make a very long international call but managed to sort out so it cost 'only' £15(!!!!) and have explained why doing that without maybe first checking the cost is going to make me VERY sad inside. Had a couple of other unexpected bills but at the same time I found out that somehow I've paid off about £100 more off the Post Office card just from random bits of cash, selling a few things on Amazon etc, so that made me feel quite good. Getting there bit by bit!!

Adorian

UPDATE: Had a not so minor blip over Xmas and New Year on the Halifax card due to anniversary meal, dental work, whisky drinking to numb pain of dental work whilst dentist on holiday for Xmas, giving money to seriously impoverished sister etc etc but today I rang up the Post Office credit card which is now down to just over £200 and they said they'd give me 9 months interest free with 2.98% fee so that's Nationwide and Tesco under a bit more control for a few months, plus the APR for the Post Office is 16.9% when it reverts rather than the 19.9% and 18.9% I'm currently paying. If I do the balance transfer after 17 January the remaining £200 will get paid off first (thanks EU for doing something that benefits me!) then it's hammer the Halifax card time.

Oh - and the trains were so awful over Xmas and New Year that I can claim back full cost of OH's ticket and half of mine.
I get a backdated payrise (7 months worth in February) too so that's going straight on the Halifax (the only card I will be paying interest on until September. Yay!).
Oh, and I've applied for a casual stock auditor job so that'll be more bits and pieces of cash coming in, I hope.