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payplan or snowball?

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Comments

  • jackied_3
    jackied_3 Posts: 210 Forumite
    Hi Kevster

    thanks i will do that now and see what quote i get :):) do you have the link for quidco or swiftcover?
    Comp wins so far........

    £36.00 Make up set.
    £120.00 12 Bottles personalised wine
    £10.99 Silverhorse book.
    £? 2night mini cruise to Amsterdam
    £99 Experience day
  • kevster1009
    kevster1009 Posts: 150 Forumite
    www.quidco.com

    You must register but its free.
    MBNA are a joke.

    DFW Nerd No. 232
  • kathfisch
    kathfisch Posts: 3,042 Forumite
    Its https://www.quidco.com, not sure about swiftcover! Make sure to check out plenty of insurers though as different companies are cheapest for different people. Virgin have been very cheap for our family, and monthly payments cost no more than annual ones with them (effectively 0% interest). Worth a look but no cashback that I know of.

    So, that £3.37 can go towards debts, and the £16 from the lottery, and any savings or extra money made on anything else (quidco, pigsback, ebay, online surveys etc etc). The 'Debt Free Date' you've got from snowball will be brought forward I'm sure, if you're determined! :D
    Don't stress, relax, let life roll off your backs. Except for death and paying taxes, everything in life is only for now... Avenue Q
    Official DFW Nerd Club - Member no. 003 :DProud to have become debt free... and striving to keep it that way
  • jackied_3
    jackied_3 Posts: 210 Forumite
    I am completely determined to do this, ive been thinking of nothing else and its all thanks to this site. It has given me the kick up the bum i needed to sort my finances out, so thanks to everyone for that, i just hope i can help someone in some way :)

    Just tried with swiftcover and as soon as i put my son (who is 18)on the policy it said ' sorry we cannot cover you' ? never mind but i will search around for a better quote.
    I honestly thought you couldnt change over untill your old one ran out!!! I really must do more thinking :)
    Comp wins so far........

    £36.00 Make up set.
    £120.00 12 Bottles personalised wine
    £10.99 Silverhorse book.
    £? 2night mini cruise to Amsterdam
    £99 Experience day
  • jackied_3
    jackied_3 Posts: 210 Forumite
    hi just to update. I had a phone call from payplan today and explained to them my situation, told them i was suprised they took me on as i am meeting my payments and she agreed that the service was for people who could not!! but anyway i told them i wasnt going to take them up on their offer and that i could manage the way its going right now by using the snowball system. She was really nice and told me to ring at any time if i wanted any help or advice. :)
    Comp wins so far........

    £36.00 Make up set.
    £120.00 12 Bottles personalised wine
    £10.99 Silverhorse book.
    £? 2night mini cruise to Amsterdam
    £99 Experience day
  • Bewhoyouwanttobe
    Bewhoyouwanttobe Posts: 69 Forumite
    Sorry, can't offer any other advice, but search for your insurance on https://www.confused.com these check all insurers, mine was a good £150.00 cheaper and I got cashback too.
    2007 Olympic Challange - Going for Bronze - Total so far: £98.25
  • kathfisch
    kathfisch Posts: 3,042 Forumite
    jackied wrote:
    hi just to update. I had a phone call from payplan today and explained to them my situation, told them i was suprised they took me on as i am meeting my payments and she agreed that the service was for people who could not!! but anyway i told them i wasnt going to take them up on their offer and that i could manage the way its going right now by using the snowball system. She was really nice and told me to ring at any time if i wanted any help or advice. :)

    Good for you jackie!
    Don't stress, relax, let life roll off your backs. Except for death and paying taxes, everything in life is only for now... Avenue Q
    Official DFW Nerd Club - Member no. 003 :DProud to have become debt free... and striving to keep it that way
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Hi again Jackie,

    It sounds like you've thought this through well, check out uswitch to price up cheaper gas & electric too!
    keep posting here, you'll get loads of support
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
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