Any advice useful!!!

katsu

Have you got room on your cheaper cards for the credit card shufffe? Bascially if you have a card at 20% and one at 25% what you do is shuffle the debt off the 25% card onto the 20% one. The way you do that is, for example, you go and buy £50 of petrol. You pay for this using the 20% CC and then come home and pay £50 off the more expensive card (this is assuming you would normally pay the petrol from your debit card or cash).

Can you work out your usual minimum monthly income? As for joint or separate - depends how you manage your money. Do you and he try and pay half each of the C Tax, going out etc or do you do it differently?

cloudcuckooland_3

I kept a spending diary for a month before posting an SOA.
Sounds like you need to work out of an average of your earnings if they vary a lot - or you could forecast it based on your new determination on getting those debts down.
If you live with your partner probably a good idea to combine your spending diary and then tackle the debts together.
Good luck - is your BF as enthusiastic as you? If not keep plugging away...

GeorgieFTB

LM

I'd look at a worst case senario for income... what is the lowest you would earn in a typical month, work out if you could afford everything but would have to live like a monk!!!

The other thing you might want to look at is a snowball calc on www.makesenseofcards.co.uk it will let you know how quickly you could pay it off!

Gx

ladymay

K, this is little confession - BF doesn't actually know how much I owe because I don't want him to realise what an idiot I am.

I think I need to do two separate diaries...

Because this is my first month out of school I don't really know how much I'm going to earning, so I'm going to give myself a conservative estimate and try and surpass it each month.

I'm also going to have a look at which of my credit cards need to be paid off first and whether I can move things around a bit. It's really tempting to pay off the smallest debt first just to feel like I've achieved something, but that's also my lowest APR so it makes no sense to do that.

I just can't wait til the 1st August when I get paid - I'll actually be able to pay things!!

GeorgieFTB

LM

***says v quietly*** I paid off all the little piddly debts first, it just helped me to feel like I was getting somewhere, I also got a deal from one of the cards...

Gx

ladymay

Firstly, thanks for all your advice, and GeorgieFTB, you made me chuckle with your ***says v quietly***

This is only a little thing, but it's driving me mad... This morning I woke up to no loo roll in the flat - the Loo Roll Fairy has struck again! BF and I have lived here with a few others for six months now, and I am the ONLY person to have bought loo roll in that time, in addition to cleaning products and washing up liquid.

My flatmate has cancelled the cleaner, which will save us £10 a week (yay!) but our ex-flatmate, who was the filthiest girl I've ever met (bleurgh!), hasn't paid for weeks so now we all have to pay part of her bit, which is so annoying!!! What's also really annoying is I seem to now be the only person who is doing any cleaning.... My flatmates (including BF) seem perfectly happy to live in a pigsty. :mad::mad::mad:

Had a long chat with BF yesterday because he doesn't seem to be taking this seriously. He's always been bailed out by his parents in the past, and I told him I don't want to live like that. All the little things at home are just making me more determined to get us sorted financially, we had to move here because we couldn't afford the rent anymore (SW London is so !!!!!!!' expensive), and life was so much nicer when it was just the two of us...

Sorry, rant over, just feel like I'm getting nowhere atm and all the little things are bugging me