Sorting out this massive mess

mandi80

This evening I've been looking at interest rates. My current 0% deals run out between oct and December this year, so I need a plan to avoid paying hundreds of interest each month.my credit core isn't great right now due applying for too many 0%deals in short space of time plus a couple of late payments during a period of disorganisation late last year. Am praying that 6-8months of good payment history will open up new promotional rates.if not than I guess I'll just need to grin and bear it until they do become available.

mandi80

I have been looking at the SOA again today. There are quite a few little changes that I think I need to make, but I have decided to keep a spending diary for the next month and then update it again. In reality I think that it is going to take a few months to get it spot on.

We have spent this evening with mybrother in law and his fiance. They get married in a few months. I love them both to bits but with my new MSE head on, I just know that they are getting into debt for it. Last year they took out an 8k loan and also some 0% credit card debt, to fund the big day. I dread to think how much they have borrowed now. It is absolutely none of my business, and I wouldn't dream of saying anything, but I would hate them to end up in our situation.