Balance transfer for "fair" credit rating

greensalad

Darren87 wrote: »

I earn half that amount and I could prob pay that off in a few months. scrap the hair cut for a month:eek:, clothes £50pm? not really necessary I might splash out on some clothes once or twice a year. Emergency fund? there will be one if you don't pay your debt... scrap that. Change isp? 6months half price? bt are doing £130 sainsburys deal atm thats one months shop sorted and a cheaper bill for awhile. freesat? plus catchup tv on your newly acquired fibre broadband. Don't take me overly seriously but I will agree with the above on the over commitment. :cool:

Yes I really want to reduce the TV but it is my partner who loves having Sky and fast internet. I really want to downgrade to freeview and just a basic package but I am having to discuss it with him.

Alexd52

As partner does not appear to be contributing to income, it should be your decision to downgrade. He needs a reality check.

Nasqueron

greensalad wrote: »

Yes I really want to reduce the TV but it is my partner who loves having Sky and fast internet. I really want to downgrade to freeview and just a basic package but I am having to discuss it with him.

Partner can pay for it then lol.

You can get pay as you go access to sky on some TVs, does he really watch it that much?

Get a cheaper deal for broadband, very few people need or would even notice the difference between say 100mb and 50mb fibre broadband