Little bit of advice please

Gemmzie

My current debt is as follows ...

Debt -
Egg cc - £414.75 - 16.9% - paying minimum approx £12
HSBC cc - £1,145 - 0% - paying £50 per month (can be more but not less)
IF cc - £268.28 (limit £600) - 3.95% (life of balance transfers) - paying approx £30
Post Office cc - £632.10 0 % (six months) - paying minimum

My aim was to clear enough of IF to move the Egg debt before December when my 3.95% for balance transfers ends.
BUT...
Tomorrow, my car is being serviced. I have £120 in my ISA. Do I use the ISA money to pay for the car or pay for the car on credit and move it to my IF cc - saving the ISA to cover Post Office cc

Toomuchdebt

Ummm I would probably use the £120 to pay for the car rather than add to the credit.

Gemmzie

I think you're probably right - it's just very scary emptying my savings, as little as they are.

Fingers crossed there's nothing major up with the car

moozie_2

Hi Gemmzie

I agree with TMD Best to use the money you already have rather than add to your debt.

Hope it gets off lightly

Gemmzie

Well, I've decided to pay for the basic service out of the ISA money which is about £70

However, I have to have a new rear cylinder, a new battery and four new tyres _pale_
Grand total is £260 _pale_

So, Quidco here I come......plus I need to finally get my head around Matched Betting to clear this cards

Thanks for the advice