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And forgot to mention - Direct Debit to ensure its paid off is a must too.Total Credit Used...=........£9,000 / £52,700
Mortgage..............=........£138,000 , 20 Years left.
:starmod:CC cashback for this year..=........£112.88 £205.81 banked in 2015
:starmod:YNAB User & Mortgage Free Wannabe
:starmod::A19/03/160 -
If you can trust yourself then having a credit card, on which you spend a little each month and pay in full (between the day your statement is generated & pay by date) will certainly help your credit history. As andy has said mobile phone contracts & utilities will also do this, provided they report to the CRAs.
A credit card is also handy for a genuine emergency.
It boils down to whether you can trust yourself with a credit card!
But an Emergency Fund is even better.:)£1000 Emergency fund No90 £1000/1000
LBM 28/1/15 total debt - [STRIKE]£23,410[/STRIKE] 24/3/16 total debt - £7,298
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andyfromotley wrote: »But an Emergency Fund is even better.:)
100% agree!SPC 8 (2015) #485 TOTAL: £334.65
SPC 9 (2016) #485 TOTAL £84
SPC 10 (2017) # 485 TOTAL: £464.80
SPC 11 (2018) #4850
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