Getting started on the debt free road

Brighid

katsu wrote: »

I believe if the meter costs you more you can go back to standard billing - look into it with your water company

I didn't know that. Nothing on their website that I can find, so will ring them on monday. Thanks!

Also, with council tax do we have any 'right' to pay it over 12 months? I have asked the council and they flatly said no.

Brighid

dreamdreamer wrote: »

Hi, I can't add much on your SOA that others haven't already advised you of, but I just wanted to say you can't put a price on your families safety and happiness, and if the new house is what you needed to achieve it then so be it! A few years of hardship until you can sell the old place is a small price to pay.

This is what keeps me going. Whenever I want something I know I don't need but never used to even think twice about (starbucks for example!) I keep telling myself I don't need it as much as I need to look forward to going home!

dreamdreamer wrote: »

Also I don't think your credit rating will be "shot to pieces" as you're keeping up with repayments - you'll just be close to what companies see as your "affordable" limit. Nothing wrong with that if you have no need for any more credit - and once it's paid off your credit rating will be excellent.

This is my biggest fear, so thanks for the reassurance. When virgin turned down the card application to move onto a 0% rate I started to fall apart a bit, and have I started thinking the worse.

consultant31

katsu wrote: »

I believe if the meter costs you more you can go back to standard billing - look into it with your water company

This is correct at the moment