help!!! advice needed

trying2befree

hello
i am a new money saver using this site, i have always looked on here for advice but have now took the plunge to ask a question

I have had a lloyds tsb loan for a while now and after doing everything this site has advised like cancelling ppi and over paying im down to £600

what i would like to do is clear asap

loan payment is £79.45 a month and i try to pay £100 or more (i have a thing about odd pennies in accounts, so like to have it at 0 ending)

please advise what i should be doing
for example should i add to an overdraft, transfer to a 0% card or do i just leave and keep over paying

mountainofdebt

Firstly I'm assuming that you can make over payments (don't worry about the pence thing, I'm exactly the same!) and if that is the case then I wouldn't worry about it.

Don't think I would bother with a 0% card as you have to factor in the BT fee and for six months I personally don't see it being worth the hassle....but that's me!

What I would say is make the payment as soon as you have the money expecially if the interest is being calculated on a daily basis.

trying2befree

thankyou so much for your reply
its a bit daunting coming on here for the first time
yes i can over pay on the loan and i have been selling stuff on ebay to also help clear this debt, but have been holding on to it until the payment day. so what i should be doing is paying as soon as i get it

as that well known supermarket says
every little helps

thanks again