Shamus dfw diary- a long long road

lynzpower

Shame hun what time are you working till?

shamu95

tonight it will be about 2am.

good news just got off the phone to citi- they will leave my rate at 21.9 if i set up a direct debit.

Shineyhappy

If you cash in your savings (1800??) which debt will you be paying it off? I cant remember the rates but it would be so good to pay off one of the smaller credit cards and then close the account. That is a huge chunk off your debt total anyways :T

I hope you stop having to work so hard soon. I just want to give you a big hug as I think you dont get enough support at home.

I think you do a wonderful job of paying off your debts and I hope you are as proud of yourself for paying them off as we all are of you :T

shamu95

Hi shiney happy- youve just made me cry, how useless am i?!
I was thinking i would pay it off citi but now they keeping rate as it was so thinking Abbey as there rate is 26.9 and although they have agreed to not increase the rate they have increased payments to 5% all the other smaller debts are 0% and 13% by far mt lowest rates.
That would in effect mean £90 a month more for other debts.
What do you think?

Shineyhappy

Sorry i didnt mean to make you cry, just wanted you to know that I really think you do an amazing job of keeping everything together and even though you are tired and fed up sometimes you still battle on to get your debts paid. I think you should be so proud of yourself!!

I think much as I would want to clear the smaller debts, I would clear the one with the highest interest that didnt penalise me for paying anything off. Abbey would be a good choice if the interest is the highest and it would be one less debt to worry about.

I have a few extra hundred pounds to pay off this month and I want to get rid off one of my ccs but they are 0% where as my OD isnt so I guess that will reduce it by a bit so better than nothing!

SortingIt_2

I agree, go with the highest interest rate. A successful afternoon for you I think :-)

xx

shamu95

Thank you- i couldnt do it without you guys for support. and i really do mean that.
Well done on getting extra to pay off and for getting your debts on 0%.
I am going to pay off Abbey but it will have to wait till i actually see some cash.
Then i really must tackle citi.

shamu95

Thank you sorting it. Not overly succesful but better than nothing. I must remember that i should try to deal with things before getting in a tiz.

Shineyhappy

Thank you! I think it must be so hard coping without support. I think I would find myself getting very down without this place and I find that it does bring me inspiration too.

Citi will be a mamoth job. If I were you I would set myself little targets like pay off 500 pounds by this date as otherwise I would find it unmanageable.

dearbarbie

hiya, i just caught up with this entire post and wanted to say well done for the progress you have made and staying so level-headed about it all - no offence to him but it doesnt sound like your OH is helping!!