Credit card debt!help!!

silkglade

Hi, I hope you went to work feeling a little better than you have been.

Right, I definatly think the £500 loan is the starting place. Phone Halifax and see what they can offer you interest wise and if you can get a better offer if you do transfer any of the other cards to the existing one.

Obviously I feel that the lowest interest ones are the least important at the moment.

Also when your phoning Virgin media tell them you are thinking of getting a freeview box, but your friend recommended for you to call them first as they are really happy with their service.

Halifax was also my "thorn in my side" and it might work in your favour as they seem to be the quickest to UP the limit all the time. as you can see from my signature it was over £11k

The other thing I recommend is that you budget and do food shopping weekly instead of monthly or whenever. We now meal plan and it costs us so much less when you just get what is NEEDED instead of just looking and getting the "offers" as i usually spend so much more then.

Keep me updated and I will still keep trying to see how to reduse things further.

have you tried Uswitch for your gas and electric, might be able to save a few pounds a month there too.

silkglade

I know and totally understand how hopless things seem at times, but I really have to say WELL DONE YOU. you have made the hardest move already to becoming debt free!

Try to be positive as I feel it really makes a difference, we will always be here for much needed help, advice and support.

and the best part is we have all been there so are here to help each other through the bad times and the good. totally judgement FREE.

WELCOME

[Deleted User]

update
phoned all the credit cards none would reduce except halifax one reduced to 13% for 18.9% not too bad,definately worth phoning as i owe them a packet.cant really pay off loan with low rate cards as just found out they are balance transfer rates and not purchase,worth a try, anyway.gonna transfer some of the hal one debt over to marks card have about £1000 credit there 3.9 % balance transfer.
still to phone ntl,thanks again for your ideas silkglade.

silkglade

Still stay on the positive and think that the loan will be gone in 5 months anyway and will still give you £120 extra a month to throw at the rest of it

[Deleted User]

thanks silkglade,appreciate it.

[Deleted User]

thinking of remortgaging to get the monthly outgoings down a bit,any thoughts,,,

mo1_2

hi,you got any charges on your c c you can claim back?

[Deleted User]

dont know,what do you mean

mo1_2

any late payment charges or overlimit charges?

[Deleted User]

no always managed to pay them ,don,t know how,can see them coming in the near future