“Rock bottom became the solid foundation on which I rebuilt my life.”

WannabeFree

One other item has a 99p bid ending this evening and one I don't think will sell. Think I will put DS's old coat on and some trainers I got youngest a while a go that don't fit correctly. If I do 5 days then they will end so I can pay it of the card before the statement is due.

The good thing is I have straightened all the cupboards back up again looking for things to list :rotfl:

x

teafor2

You're doing really well with the CC and with interest so high every bit really will help. Was it used for something that you didn't see coming (I'm not asking what by the way ) I'm just wondering if your day to day expenses will mean you need to keep using it? x

WannabeFree

I originally was using for Rent Teafor2 Paying it off and putting the weeks rent back on as I'd got into that cycle when the DLA first stopped, then they changed the limit from £100 to £150 and then I put some food and things the smalls needed for school on it in December because it's the only way I could get them then the rest is mainly charges and interest so there wasn't enough to pay the rent (how I got behind to make me be paying the extra £25 a week for these 6 weeks ) Once it's paid off it won't be being used ever again.

beanielou

Check your email shortly x

teafor2

The high interest rate is tough enough but it becomes a vicious circle when charges start to be added as well It's good that you don't think you're going to have to use it again. x

beanielou

teafor2 wrote: »

The high interest rate is tough enough but it becomes a vicious circle when charges start to be added as well It's good that you don't think you're going to have to use it again. x

Yes, the interest rate & the fees are sky high.
Daylight blooming robbery x

WannabeFree

I definitely won't use it again.

The fees are £12 each for over limit/late payment so sometimes as much as £24 plus the interest.

teafor2

WannabeFree wrote: »

I definitely won't use it again.

The fees are £12 each for over limit/late payment so sometimes as much as £24 plus the interest.

Ooh that's a killer Wannabe

WannabeFree

12/01/19
Debt
Council Tax [STRIKE]£375[/STRIKE] £337.50 (£37.50 paid)
Rent arrears [STRIKE]£1545[/STRIKE] £1445 (£100 paid)
Credit card [STRIKE]£150[/STRIKE] £50***

Total £2070 £1832.50

*** CC- 49.9% interest along with the £12 over limit fee I keep getting and the £12 late fee is the one I need to think of a plan and chuck my efforts into.

The CT and Rent don't have any extra interest/fees etc.

Updating before I send it over as Nationwide have maintenance so waiting for Paypal to go in.

But £26 in and straight to CC, £7.50 in and straight to CC and £6.04 in from eBay sale in and straight to CC. Will be rounded up and £40 sent to CC. Nearly gone :eek: Hurry up Nationwide :rotfl:

beanielou

So pleased that the CC is going down :j :j
You are a star x