Fresh Air for dinner if I carry on like this.....

Clare1983_2

I've not read the full post and I am guessing your beloved pony is too old to be ridden.. But hav you looked the possibility of loaning het as a companion pony?? I did this with my old boy in his later years and I still got to see him..

freshair_2

Thanks for the support, i think i know deep down that it is the right decision for everyone, still difficult though,

On the business side of things have checked equifax tonight, and not as bad as I thought, it turns out that as disorganised as i am i manage to pay for stuff on time 98% of the time, don't like where it tells you, that you are paying the minimum grrr trying harder now. The packing has resulted in a lot of too big clothes being found 1 dustbin bag so far, and there id definately more where that came from, and haven't even started on DS room yet. not looking forward to that to be honest,

babes21

Best of luck hunnie, stay focused and you'll be sure to succeed .

freshair_2

Morning MSE world, hope you are all going to have a great day. The sun is out, so we get summer in June and September????

First things first, today I WILL get exact balances on my cc and od, the od maybe a little harder as no online banking facilities but as I am paying a set amount off monthly I should be able to work out what is in there, or not

Today will be a NSD, have managed to walk past the cafe downstairs and am having office coffee instead, not quite the same as the hot choc but it is FREE!! Am also charging mobiles x2 (personal and work), laptop which died last night while I was wading through benbens diary but fantastic inspiration, I was well and truely into that so much so that no packing got done at all, oh well always tonight.

So to work it is, well I am here but suppose I should do something :rotfl:

LianneH

Hi freshair

just wanted to wish you luck and let you know i have subscribed! well done on your life changing decisions - sounds like your taking the bull by the horns - well done!!

isnt it funny that when things are FREE it makes them taste better!! x

freshair_2

Just a quickie, is there anyway that I can get my thread moved to the diary's?? I proabably should have started it there....

freshair_2

hehe still got my hotchocolate anyway, MD came in and asked if I wanted anything from the cafe!! so winning all round today

freshair_2

Ok so I have done it exact balances, and current payments below

Nationwide CC - 2243.69 £67 minimum
Egg CC - 5012.69 - £38.23 minimum (this is always over paid as the interest rate is 17.9%:eek:)
Barclaycard £410 - minimum £8
Virgin £374.16 - £25
Barclays OD - £1997.03 £100 per month

So its all scary stuff but....on the plus side, next month when we are back in our little house, me and ds we WILL be sub 10K. So even though it is an horrendous amount of money to owe, it is less, only just, than I thought :cool:

So the plan is

1. Virgin - the smallest so an achievabletarget for motivation, then close the account

2. Barclaycard - next smallest again a bit more motivation before we get to the big stuff!

3. Egg - well this could take some time but 3rd it will be

4. Nationwide CC - easy to chuck the extra little bits at it as it is on my online bank, I know you shouldn't bank where you have debt, but it will be gone and this I will then use to repair my credit, use and pay off in full every month

5. Barclays OD, well this goes back to my student days, and yes that wasn't recently, but never really go it sorted out after that. Have spoken to barclays, no charges / interest as long as I pay a minimum of £100 per month, I actually over pay every month as my child benefit, and my massive CSA payment of £20 :mad: as well as the £100 I transfer from my salary.

Obviously if neddy finds a nice new home, even though she is very very cheap with the quality of home and quick sale being the priority I will be able to tidy up a bit quicker. :T

So there it is in black and white, SOA will be produced when I move home, as I will have bills etc sorted then as well, but at least I know how much I owe

LianneH

I always felt once i wrote it all down, it didnt feel so bad!

do you know the interest rates on all of the debt as this might make a difference to the order of which you should pay off first? Also as you only need to pay £100 towards your OD and the fact that its 0%, why pay more? (CSA £20!!!! thats bonkers!!!) the extra might be better thrown against the higher interest cards? anyway - great step forward and love the fact the boss bought the hot choci!! x

freshair_2

oooo had forgotten about this, not MSE or anything but jolly exciting. I have a company car, as it has to be less than 3 years old, never been in a position to buy one this new, and on the plus side I don't have to worry about finding the money to put fuel in the car as I have a fuel card negative the tax is higher but the amount of miles I do os obscene so in a round about sort of way I am better off.

Getting back to the exciting bit said golf is just 3 years old, had a call from the transport team and next week I will be getting a new car, go me 11 plate BMW 1 series, ok so I will still be skint and its not mine but its sort of a treat???? well thats how I am going to see it as hopefully I won't feel the need to buy anything for me as a treat for a while.

I feel like I am having a pretty good day,