Need to get myself together: The beginning

laurag89

hey monz! Your doing so well keep it up


Go for the 0% sounds like your in a good place right now to be strict with it, and getting anything possible onto 0% is going to help, I did it with Barclaycard... got 0% transfer to current account and paid off my 15.5% loan with it! Now I am just paying off the debt itself not interest. Also once its on a credit card, you can balance transfer to another 0% if you are tackling other debts first and the offer runs out.


x

monz

I am so nervous about getting a credit card always been taught they are bad lol!!! Coming from me with debt problem hmmm haha.

21 days until pay day and I can further attack this loan lol. Will be happier after Christmas when I do not need to worry about presents and hopefully as my 30th (ahhh) I will probably get money to throw more into it lol!!

I have one night out on Saturday and following Saturday (taking car - means spending less always a good thing) then its preparing for my sons 4th birthday party x

monz

Was also thinking - (Yes I post too much :P) I have a big bottle that I fling my change in. I was planning on keep putting change in and giving it to my son on his 21 or shoving it into bank? I have probably over 100 in it but I would feel a let down if I done this... Unsure what to do.

Will think over weekend about this x

monz

So I done a calculation and I should be debt free by June 2017. I want to beat that and will try my best even if its December 2016 at least I can see that I will get there.

Just need to stick with it x

laurag89

Credit cards can be soooo bad if used in the wrong way, but amazing for shifting debts to 0% as long as your clearing as much as possible off of it

I would say put the change in the bank and use it to debts you can replace it later on when you are debt free, but you have to do what you think is best! Xx

monz

I'm going to bag them tonight (after insanity workout) add them. You are right get debt sorted even that will cover my overdraft a good bit. X

laurag89

Perfect plan you can put it back when your debt has gone plus much more

monz

Ok... So I bagged them and the ones that would make it full bag (like 50p won't add to £10) I put back in the bottle. So I got £109 to bag into my bank !!! Probably left about 30 in bottle to start afresh. That will go for my over draft, very happy with that and can't believe the amount!wow x

abba1772

Wow that's some amount well done xx

laurag89

That's amazing Just goes to show that it all adds up!
I save into a jar that counts the money for me, my OH bought it for me last Christmas has a shocking £3 in it... I keep emptying it into the bank. That jar was only meant to be a little funny gift but ended up being my favourite and most used. haha.