What to do?

Time_to_face_the_music

Bufger wrote: »

Fully pay off the Virgin and Halifax cards and put the remainder on against your Barclaycard. Then use the payments you would have made on those two cards to snowball the barclaycard and then finally the loan.

This way you'll clear it very fast and then all the payments you were making can be turned into savings if you keep living the same lifestyle.

Barclaycard is higher interest than the other two so should be paid off first.

Emthemist

Hi WR,

I would go with paying off the Barclaycard (highest APR) first, and then your Halifax. Use the remaining £200 to dent your Virgin cc.

Then snowball your payments (use what you would have been paying each month on all of the cards) so this comes to £300 to clear your Virgin cc in under a year. Easy!!!

Then it's save save save!

Em