Worried/Advice going forward?

asparagus1968

banks are usually more expensive for these "extras"


just go onto an insurance comparison site , pop in your details ,they will give you a list of all the different offers.

tiny_courageous

Also have a look online for reviews of protectmybubble, they do not have a good reputation and I know a few people who have been "burned" by interpretations of small print.

£25 is expensive for contact lenses and for gym. Depends on where you live, but there are 5 gyms near me (suburban area) that are £15 a month or less. Even better if you can get one that's not in contract. Also check out your local authority gyms/pools to see what offers they have. My local authority does membership to all of their gyms and pools (3 different pools and 4 gyms) for £25 a month with no contract.

MyOwnPrison

**Updated - 04/06/2014**

After discussing a few things with you all, this is my current standing as I recently went out and consolidated/cancelled the two single CC's into one manageable 0% card, cancelled or enquired about cancelling some of the other DD's and generally feel making progress since my last post. Would love your thoughts?

The plan is to be debt free of current debt by 32-33 (just turned 30) and start the process of getting a mortgage and a pension soon after.

Thoughts?

Income/"Big" debt:
+ £1,300/£1,400 - Monthly Income (After taxes/student loan)
+ £2,000 - Overdraft
+ £1,500 - ISA Savings
- £1,900 - Barclaycard (Min: £45 / 0% July 2015)
- £6,970 - Lloyds Graduate Loan

Living/Social Account 1:
£305 - Rent alll inclusive
£5 - Deezer
£6 - Netflix
£15 - Petrol
£65 - Shopping
£30 - Myprotein.com / Every 2 months as buy in bulk
£120 - Driving Lessons**

Bill Account 2:
215 - Lloyds loan / My new fixed amount and overpaying
£50 - Bike Insurance
£25 - Trilogy Gym / Year contract
£60 - Barclays CC / My new fixed amount and overpaying
£15 - Cineworld Unlimited / Year contract and to be honest my only entertainment as rarely drink/do not smoke.
£25 - Contact Lenses / Year contract
£15 - Protectyourbubble (24th) / Process of cancelling
£45 - 3 Mobile (28th) / 24 month contract

**Looking to sell my motorbike for a cheap A-B car once I pass my test [fingers crossed].

PS: My recent Noodle score was 3/5. Any idea if that's a good thing or bad?

You have all been a great help to me! Thanks a lot

MyOwnPrison

Thoughts please as this plan does seem like it works best.