Challenge Debra...life goes on

hign10pines

Looking at making £350 extra a month so that 12 hrs a week at £9.28 which is do able when I can be bothered to do the extra shifts that is.

hign10pines

Right so I was having a nose at rentals last night and noticed that the ground floor flat in the building where we used to live is up for rent at £750 up from £698 (2015) but the flat we used to live isn't even listing on zoopla. On rightmove it is but without links

hign10pines

I wish I wasn't so ill Dr think's it's just an infection but I think it's some form of IBS. Stupid 30 second phone appointment and he didn't want to listen. Now off work all weekend and my bradford score and gone high again!!!

Still have 'pending' for my uni result and it could be the last week of August before I receive it which is when Portsmouth need to know by! If a resit I'd get the result by 22nd September but would be too late for Feb 2018 entry.

hign10pines

Monday is PAYDAY!!! Hopefully I'll be able to pay £50 extra to Avant and around £25 to Natwest. Every little helps.

hign10pines

Been thinking more and more about doing a DMP but scared of Natwest & the thought of them possibility taking me to court. Also heard credit unions usually go for CCJs.

Also thought about reducing my hours at work but don't think that will really achieve anything in the long run.

hign10pines

I do have one concern. My credit union loan comes direct from my wage, if I go to uni in Feb that contract will end. Will the credit union demand the remaining amount back or allow me to carry on paying through my student loan/extra work?

I have a plan to get rid of the high interest loans by Feb, they won't necessarily be paid off but on better APR terms.

hign10pines

Should I suspend my pension contributions for the time being? Actually I'm thinking of selling my investments (around £600) and paying towards Avant

hign10pines

So I have been seriously thinking over my hours at work. Dropping down to 2 x 11.5hr shifts a week then maybe 1-1.5 shifts bank or droping to 2 x 11.5hr + 2 x 6hrs all on contract. I am looking to pay my loans for two more months then trying to get them reduced.

I am just worried Natwest will try for a CCJ. Not too bothered about Avant, they can only get what I can afford.

hign10pines

Should I use my investment money as an emergency fund or throw it on one of the loans? If a loan which one, high balance or high APR.

hign10pines

Does anyone know if Natwest ever re-finance their loans or give payment holidays