my mind and money!! - what next?

kraft_2

My LBM was septmember last year, and since then i have:

At point of LBM, over the last couple of months i have had enough of debt and changed stuff around. Below is what i was paying, and then below that is what i pay now.

Life Insurance £45.42
Gas £42.00
Electric £31.00
House phone £35
Broadband £22
Sky £58
Mobile £45
Lottery £35
Bank Charges £80

Total : £393.42

I set to reduce this by:

Changing Life cover to £41.45
Gas/Electric £60
House phone/BB £45
Lower package sky £35
Chaged mobile contract £12.50
No more lottery (i am not going to win)
Paid off overdraft, only £12.50 for my account now.

Total now: £206.25, saving of £187.17

It just goes to show, if you dont dive into what you spend, you really get ripped off.

Our loans left are:

AA Loan -left £6657 - 7.2% / ends Nov 2009 / £243.93pm
GE Loan -left £3500 - 0% / ends Oct 2008 / £291.34pm
GE Loan -left £7688.99 - 12% ends Nov 2010 / £232.52pm
DL Loan -left £9766.94 - 7.6% ends Apr 2011 / £222.18
Natwest CC -left £2100 - N/A % paying £60pm

What is best to get rid of these loans now?.

Is it worth changing my 12% loan and paying a little more to reduce term, or should i just be patient and wait the 4 years until everything is paid?

Its driving me crazy, i am so desperate to be DF and in a funny way i hate being so tight with money.

Is there anything i could do?

cheers

madmoney_2

hi there n congrats on sorting your bills out, the best way to tackle the loans is to snowball them, have a look at https://www.whatsthecost.com , the snowball calculator shows u how to do it. May seem a bit obvious but is there any way u can shify some of these especially the cc to a 0%cc for now?