Debt Free Wanabee

khiller1988

The car i drive is a corsa and i do a lot of miles so need a reliable vehicle. It would not be sensible for me to change this as i would be paying more than the car is worth sale value back. I have a service plan that is fully paid up and a warranty on this, and my insurance is fully paid for the year, on a 0% interest card. this is part of the Barclays debt. the car is also a 0% interest and includes a deficit from a previous vehicle.

My £20 on clothes will include work clothes, i need to look smart so allowing this to replace things as and when i need to. In terms of entertainment budget i don't see this as an essential this would be if we have a bit spare for a while.

I pay £30 a month for my phone which includes the data allowance, something i use at work for navigation purposes.

I was given a large rebate on my water rates so am now only paying £3 a month for the year.

the littlewoods and very and my second aim after the tescos credit card. These were used for our wedding rings and wedding gifts

andyfromotley

khiller1988 wrote: »

the littlewoods and very and my second aim after the tescos credit card. These were used for our wedding rings and wedding gifts

What happens to these after the 0% period?? These accounts are notorious for loading on all of the interest from the interest free period and for charging huge APRs. Be careful with these. (they also seem to feature on these boards regularly as the cause of huge stress due to their aggressive recovery departments!) It may be best for you to treat these as your priority for repayments to get them repaid before the 0% runs out.

khiller1988

Update

barclaycard 3,106.51
tesco 575
littlewoods 343.8 interest free until end of the year
Very 59.40 interest free until June 2016
Loan 9488.73
Overdraft 1000