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I've started!
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mrsd1984
Posts: 144 Forumite
I decided last week that there wasn't much I could do until next month due to work (I'm a supply teacher - Summer holidays) to start sorting out our finances/debt. Well, this morning whilst browsing the forums, I saw someone mention all their 0% credit cards. Mine aren't 0% so this morning I've applied and been accepted for a 0% card for 24 months (RBS), which I can clear one other card (MBNA) with. MBNA have an offer for 0% for 15 months on balance transfers so will then be able to move the balance from my Barclaycard to it. This will mean all my debt will be at 0%.
Once this has happened I will then change my direct debit from minimum payments to a set amount so that we know where we stand each month, and hopefully will be in a position to overpay regularly.
Small steps
Once this has happened I will then change my direct debit from minimum payments to a set amount so that we know where we stand each month, and hopefully will be in a position to overpay regularly.
Small steps
SCS Carpets 0% finance: [STRIKE]£1331.84[/STRIKE] £132.90
SCS Sofa 0% finance: [STRIKE]£1732[/STRIKE] £455
Barclaycard:[STRIKE]£4657.57[/STRIKE] £4657.57
MBNA Card:[STRIKE]£4413.45[/STRIKE] £4413.45
Total Debt: [STRIKE]£12134.86[/STRIKE] £9658.92
August Grocery Challenge: £132.92/£160
SCS Sofa 0% finance: [STRIKE]£1732[/STRIKE] £455
Barclaycard:[STRIKE]£4657.57[/STRIKE] £4657.57
MBNA Card:[STRIKE]£4413.45[/STRIKE] £4413.45
Total Debt: [STRIKE]£12134.86[/STRIKE] £9658.92
August Grocery Challenge: £132.92/£160
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Comments
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Good for you, that is definitely a good start.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
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Welcome and good luck, this is a brilliant idea especially as you can get those 0% cards Debt free once - Back again | Current debt: £2479.50 - January 2025 | Make £2025 in 2025 #11 - £41/£20250
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