if i make a start . then there has to be an end right ?!

DebtFreeDuo

A good nights sleep can do wonders for us. It sounds like you have a good plan so if you stick to it then that debt will keep going down and it will be gone in no time.

mumof3.12kindebt

Thankyou. Yes small steps and it will soon be gone.
Sorted boys room this morning.
No messing. I was ruthless. 5 bin bags gone. And it looks so much better. Now to have a rest before work x

mumof3.12kindebt

Actually it looks empty. Bar toddlers cuddly toys and eldests massive tub of Lego.

mumof3.12kindebt

home from work. About to go to bed. In again in the morning . Then off to see family after work.
Boys are staying at there Nans tomorrow night so going to have a chilled out night.
Might paint the boys room on Sunday then thats one room done.
If Not Sunday I'll concentrate on sorting our room.
I've got loads to eBay so I need to crack on with that too.

mumof3.12kindebt

back at work .
Spoke to manager yesterday. Going back down to my standard hours for a while.

Plan to have a chill out morning tomorrow with the baby and partner while boys are with there nan. Then we may make a start on there bedroom.
Hoping today is an easier shift than the last few.

11 days till 1st of November.

Car tax of £30
Bonfire night school tickets.£24
Nursery fees £15
Electric £30
Food £100
Music fees .£80

Nothing else to cover I dont think.

Will look at credit card and catalogue tonight to see if i can make any payments

mumof3.12kindebt

Last night we ended up going out for nandoes.

A treat. And it was lovely. I don't feel guilty at all about it. It was much needed.

Tonight is a movie night at home with the kiddies.

I should have a bit extra in my next wages. It's going into savings .

mumof3.12kindebt

Last night we ended up going out for nandoes.

A treat. And it was lovely. I don't feel guilty at all about it. It was much needed.

Tonight is a movie night at home with the kiddies.

I should have a bit extra in my next wages. It's going into savings .

mumof3.12kindebt

I've applied for a loan to consolidate my debts. I know this isn't always advised but the Apr is lower than my current interest rates on my car and credit card. It also means just one direct debit a month which is slightly higher than my car direct debit. The loan covers paying my car loan off. So will only have one debt effectively.
I will pay this in with my direct debits like I do currently for my car. And try and make additional payments each month to get it paid off sooner. But overall it will make all my income and outgoings easier to keep track of.
It says I've been approved but I suppose we will just have to wait and see .

My car is currently 217 per month.
The loan dd is 270 a month. Which I will round up to 300 plus any additional payments. I read all the information and they do allow additional payments and paying it off early. With no charge just reduces the Apr amount and the amount of time to clear the loan.

So we will see I will update when I find out more.

DebtFreeDuo

I think the reason its generally frowned upon is because by consolidating you're not really dealing with the initials problems and are more likely to further into debt. I know from my experience when I have consolidated previously it completely backfired on me.

Overpaying won't affect the APR but will reduce the time it takes which effectively reduces the overall interest you pay.

mumof3.12kindebt

Yes I know what you mean.
I will overall have less debt too as I'll be paying a settlement figure on my car which is a lower amount by about £2000

If I get approved for definite. (I never trust these things till its all done) then I will update with a new total and new plan. If not I'll carry on with my current plan.