I think we are getting there :0)

helpmepayit

Hi to anyone who reads this,
This is the third time I've attempted to pay off debts. Was a member of mse before but slipped up!

I am so determined this time so fingers crossed.
Just finished paying my credit card off so that is a massive worry out of the way. Now for the rest.......

Any tips would be very, very welcome:D:D

helpmepayit

Could somebody please give me the link to post my SOA please xx

helpmepayit

Just went and checked my credit report and it's not great :mad:

Luckily the payments I've missed (only a few) are due to drop off credit report next year! OH credit report is ok as most of the financial things in the past were in my name.

We are wanting to clear our debt so we can start saving to move to a bigger house as we only have a very small 2 bedroom mid-terrace and two wild boys:D to squeeze in it. ( and also our dog)

Will get my SOA up as soon as I can find a link for it x

bargainbetty

http://www.makesenseofcards.com/soacalc.html

It was in the sticky detailing helo for newbies - make sure you go for the MSE version at the end!

helpmepayit

Thanks so much for posting that link. I went in to the link and filled it all out but I'm unable to paste it on here as I'm using a tablet :mad:
Will have to wait until OH is home from work and use his laptop to do it.
I should have over £900 per month left after everything has been
Aid!! Would live to now what happens to it:( xx

helpmepayit

Have spent the day running about after my 2 sons but have managed to list a load on eBay, have 4 bin bags for charity shop ready to go, smashed open my savings jar much to my 6 year olds delight :0) another good bit towards the debt. This was money that we had been saving for our holidays but have decided to clear our debts before we book holidays :0(
School holidays aren't so bad after all xx

RAS

wHERE ARE THE CHARITY SHOP BAGS GOING?

You are selling them? Are you not?

helpmepayit

Hi there, the charity shop bags are going to charity. I work for a charity so have saw first hand the impact that cash for clothes and companies like it are having on the charity shops these days. Not knocking anyone who does use cash for clothes as I can see the appeal of getting cash for your unwanted textiles but I know too much about how this company really works.

BluePumpkin

I'm also trying to clear everything on the third attempt so thought I'd say hi :wave:

Maybe carboot those clothes to raise some extra pennies?

helpmepayit

Hi BluePumpkin, good luck to you on your debt free journey, we will get there eventually
A car boot sale is exactly what we are needing to do, we have so much stuff up the loft to get rid off, I'm surprised our ceilings haven't caved in it xx