£12k in 12 months!!!

mrsspendalot

I have a spare 5 minutes so just to bring everything up to date ....

We've just moved some debt to benefit from Halifax's lower interest rate. We've moved all of Debenham's, which is now £0, and we've moved £2250 from Capital One.

Trying to make small little payments as and when to keep the snowball looking neat and tidy (I hate looking at odd pence!!!)

Balances currently:
Natwest Overdraft: [STRIKE]£4380[/STRIKE] £4341
Debenhams CC: [STRIKE]£1900[/STRIKE] £0
Halifax CC: [STRIKE]£700[/STRIKE] £5014
Capital One CC: [STRIKE]£5350[/STRIKE] £3149
Santander CC: £2850

Total: £15354 :mad:

Oh how it would be easier to bring the amounts down if debt was all 0% and interest wasn't being applied! Makes it look like we're getting nowhere fast and in reality we've not added any new spending to the amount, even though it's gone up .... it's all interest and charges :mad:

Also got to try and find an extra £40 a month for the increase in my energy direct debit :mad:

Oh well, onwards and upwards.

On the plus side, I've underspent on my housekeeping for 2 weeks running and have a £60 surplus .... just need to decide whether to keep this back for emergencies, or whether to chuck it straight at the debt .....

Roll on payday when I can make some payments!!! Cannot wait to see that total under £15k

mrsspendalot

Hi diary, I'm going to say goodbye to this chapter and face facts .... new strategy, new outlook, new diary here

I don't know how you get a thread locked, but if anyone does, I'd like to close this one now so please let me know