Tales from the city

in_need_of_direction

Pay the discount off your credit card and that way you achieved something on both fronts.

Igamogam

in_need_of_direction wrote: »

Pay the discount off your credit card and that way you achieved something on both fronts.

Good idea - I use to pay off little bits of my CC every time I used a voucher for something..............really must get back into that INOD. Thanks for reminding me!!

misstara

Hi ani*fan, noticed you've not posted for a while, hope everything is ok with you

ani*fan

Hi everyone


How are you all doing? My debt is sitting almost exactly where it was when I last posted, a little bit lower, but I'm thinking this is good because it didn't go up. :-) I'm about to update my signature.


I got a small council tax rebate and have used it to make a pot for expenses coming up. I pondered paying it towards the debt but I'm trying to plan and be sensible so I'm keeping it. I have road tax, an mot and Christmas in my mind right now, very expensive things that I know are coming so I need to be ready.


Happy debt busting day everyone!

ani*fan

So I had a look at my first post on this thread to see how far I've come. And it turns out I'm doing pretty well. In 6 months I have...

reduced the debt by over £2,000. :T reduced my monthly debt payments by £80 from £480 to £400. :T closed my horrible Cap 1 card account. :T become solvent. :T taken charge of my finances! :T

Here's to the next 6 months and even more success!!

in_need_of_direction

Well said you. Keep up the good work

Igamogam

Hello again.......great stuff:)

Skinnylatte

That's fantastic ani*fan, well done to you :j

misstara

Hi ani*fan, you're doing really well a great idea to sum up what you've achieved it the last 6 months.

ani*fan

Hello my lovelies.

I could do with your words of wisdom, my dear mse friends.

I have a car situation on my hands. My brakes failed yesterday and my car went off to the garage today. I just had a phone call from them saying that there is over £2k worth of work needing done to my car to get it up to scratch.

Now some of this is not essential. They were talking about a £270 service for example. My car won't need this to pass it's mot in Novemeber.

However, the brake pipes, brake discs and other bits all need sorted. I've told them to sort my front pads and brakes for £400 to get me back on the road but basically it's decision time for me with this car.

It's a 4x4 which I used to need living in the country but don't now that I'm in a city. The trouble is I love the car, I really do. However, it is no longer practical to run, has a very expensive road tax and is a gas guzzler.

So I'm thinking I have a month or two to sell it if that's what I choose to do. However, the thought of a car loan has me freaking out. It's such a big expense every month, I don't want to end up struggling again to pay my bills every month. And spending another £1600 come mot time is surely better than a 3, 4 or 5k car loan?

I'm all in a muddle. Any advice would be greatly appreciated.