Job on the line. Debt must go!

Brightspark87

hi all this weekend I did the moonwalk with my mum. Very special and raised over £500. however, I ended up spending lots more than I expected as at 4am I had to get a taxi home rather than a night bus and I was SOOOOOOO tired. Never mind I will claw it back somehow.

hope you are all good> xx

please-let-me-be-lucky

Congratulations on the Moonwalk :T Xx

Brightspark87

hey guys hope you are all wel? you will never believe the bargain I have got with my car insurance - £341.63 plus £40 cash back! amazing so happy x

Brightspark87

hello all

been a busy old time of it here at Sparky towers! DH has a job, we have found a house to rent (a huge £400 in agent fees though what a rip off!) and project West Country is going well.

I have been away hnce why I havent had the chance to catch up more recently but looking forward to speaking with you all soon and reading what I have missed.

thanks to everyone who keeps in touch this debt free journey is certainly taking it time but I am enjoying the freedom it brings! xx

LondonGirl252

Congrats to DH on the job and the house! looking forward to hearing what you have been up to!

please-let-me-be-lucky

All good stuff Sparky (apart from the £400 fees :eek:). Good luck with the next steps of your journey Xx

*Robin*

'Morning Sparky, :hello:

Great news about DH's new job, car, and finding a house (fees could have been worse - one of my neighbours at homehome uses an agency to manage his properties, who charge about £400 per person to approve new tenants!).

Did you go somewhere nice when you went away?

Brightspark87

We have been away to France with DHs family which was not a huge success. It was all fine but far too far away,. we couldn't find the villa and I was tired the whole week after 24 hours travelling and lost nights sleep. Not to mention FiLs future wife had a huge go at me one night and really upset me! I came home a bit upset and misrible, (the wine was good though!) so not like me. I am always happy and positive. however, a long weekend in Devon with my family made the world of difference and now I feel so much more centre and ready to take on anything.

the house is truly gorgeous, I hope that once I have moved (and paid off a little more debt!) I will also be able to help at the local debt charity. They currently dont offer any out of work hours help and I find that very sad as lots of us work and find it hard during the week to get the time off and I feel I owe it to people to be a truly good financial planner not just helping rich people!

I know the fees could have been worse and I have found a great deal with Anyvan .com and hopefully that will all go through ok. Luckily our London landlord has also been fab and I hope we will avoid a week's rent in London which covers the moving costs!

I have my one to one at work on Wednesday and even though I have handed in my notice I have already asked to be considered for a bonus. I am underpaid in my current role by c£20-35k if you include the lack of bonuses (which are very common given my performance). But who knows any penny extra will go towards paying off the blooming credit card and or loan....

We also want to start saving to buy a house. BUT I have told DH I need need him to pay off his credit card first. He has a large loan too, but this is being paid off as per the terms. Its the 26% interest on the cc that gives me heart palpations.... any tips guys? xx

please-let-me-be-lucky

Tips for paying off credit card balances;

I run the extra payment every week thread. The principle behind it is that once a week (I do it on a Friday) you make a conscious effort to pay something off the card. This could be a set amount (£5?) or it could be rounding down your available bank balance, eg if you had £123.45, you could send the £3.45 (or even the £23.45 if you were feeling flush).

Sell things on eb@y and pay the profit off the card.

Be aware of savings made and pay them to the card, eg budget £20 for something, find it for £16 so pay the extra £4 off the card.

Transfer to a 0% card if/when possible.

Will think of more Xx

Brightspark87

thanks for that lucky I think he just has always had the 'I have an awful job cant afford to live etc' as well as being incredibly generous means he has never had much ££ x