just wondering how you do it ?

piratess

Im just really glad i dont have any debts that accumulate interest, so thats somthing ... i would love to pay off my watwer bill tho thats the one thats bugging me the most at the moment itd £400.00 an im paying £20.00 a month

thanks for all your imput xx

piratess

Im just really glad i dont have any debts that accumulate interest, so thats somthing ... i would love to pay off my watwer bill tho thats the one thats bugging me the most at the moment itd £400.00 an im paying £20.00 a month

thanks for all your imput xx

nickyhutch

I think if I had any spare cash (that I didn't think "OOOOOH!!!" and spend on a day out or a big night out or a pair of shoes or whatever!) I'd pay it direct to one of the debts. If I started saving, when it got to a respectable amount, I'd spend it on something for us instead of the debt! My thinking is I'd rather enjoy it now than pay them earlier.

nickyhutch

I too get paid at the end of the m onth and pay off all the bills/debts for the following month straight away. OH is paid weekly, so that's what we get by on until next payday. As I'm paying off the debts, and they drop off the "to pay" list, then I have more left of my salary at the end of the month for us.

OberonSH

I save all my £2 coins to whack on as an addition to my payments. I also try and get under my budget, as any extra goes on overpayments. Ebaying & Amazon money gets put towards shop atm, but once that's sorted it's going on debt as well.

I think it depends if you want to see your balance going down (even if only by a quid) or just whack large bits off. Interest on most 'scrapings' are neglible after all.

Gemmzie

If I can get all my debt at 0% or very low, then I save it and throw chunks.

Stick any spare cash in a box, along with all 20ps and £2s, and any money in my account in a savings jar just for CC overpayment which is generally from Quidco etc