Please can you view my SOA? x

Poppops

Cycrow wrote: »

it would be better to use the money to pay of the most expensive debt, i.e. the Barclaycard.

as DFS is interest free, it will be cheaper to pay of something that has interest, as it will reduce the amount you have to pay

I know the sensible way to snowball is to get rid of the debt with the highest interest rate first, but for me starting on the smallest gave me such a morale boost that I have kept at it without fail, whereas you can lose heart if you can't feel things moving

Just my own opinion though

ginnyknit

I agree you should ring the mobile companies and tell them you have no money, it may give you a smaller allowance but you will learn to manage it and save a fortune. I pay £10 and hubby pays £8 for texts and calls and they are more than enough if you are careful ( cant remember how many exactly) If you only got them to halve them you will be saving a lot. Good luck

**tinkerfoos**

ginnyknit wrote: »

I agree you should ring the mobile companies and tell them you have no money, it may give you a smaller allowance but you will learn to manage it and save a fortune. I pay £10 and hubby pays £8 for texts and calls and they are more than enough if you are careful ( cant remember how many exactly) If you only got them to halve them you will be saving a lot. Good luck

thank you ginny will maybe give them a call x