I want to stop drowning

debtaghh

Thanks. Yes it is but may need more fruit mid next week. I’m on a tight budget so am using the freezer and cupboard supplies up.

Storm89

oh yeah that makes sense. January seems like such a long month doesn't it.

enthusiasticsaver

Well done on the frugal shop and clearing very.

wishingthemortgaheaway

Woo hoo, another one bites the dust. Does that mean you have a bit more to snowball onto the dreaded b-card now?

debtaghh

wishingthemortgaheaway wrote: »

Woo hoo, another one bites the dust. Does that mean you have a bit more to snowball onto the dreaded b-card now?

Hopefully, it has reduced my outgoings by £25 but we are going to have a shortfall so it just reduces that.

I did make some sales today so I paid £100 off the bc

enthusiasticsaver

Well done on the £100 to Barclaycard. Do the minimums increase from January or February?

debtaghh

Mine is January and dh is Feb

System

All going well , especially with the shopping .

debtaghh

Morning,

I haven’t got much planned this weekend but have asked dh if he can take the chn swimming ( it’s free) to give me the chance to catch up with admin for my business. This past week has been successful with me doing lots of jobs off my list ( like tidying cupboards etc). I would like to get all my jobs off the list that don’t involve money. I have get new passports on my list , we are not going abroad but I have family abroad and worry if anything happens we wouldn’t be able to go. It happened a few years ago a family member sadly passed away and my dd couldn’t come as she didn’t have a passport. I also would like as much off my list now so if I find a job I don’t have lists of things to do.

I have been job hunting every day but there is nothing suitable
I am unsure what to do with money from sales should I use it on my bc ( currently 0% until jan 2019) but high minimum or pay towards the Nuba which is 0% until June or pay toward dh bc which will have the higher minimum from Feb and is 6.9%? ( but is a lower rate then the Nuba or my bc will go to). The reason I paid £100 off my bc yesterday is because I’m wanting to lower the balance ASAP to reduce the minimum.

Have a good frugal day everyone

wishingthemortgaheaway

I'm no expert, but personally I think getting the minimum payments lower on the barclaycards to reduce your monthly shortfall may be the way to go. Unless you can clear something else and snowballing the payments from that will cover the shortfall.

Someone else may have a much better answer than me.

While you are job hunting, could dh do any overtime at work to cover the shortfall?