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Need to pay off credit cards - need motivation!
forsya
Posts: 251 Forumite
Hello
I have been on here before many years ago and managed to pay off a large debt. Unfortunately I have some credit cards again and need motivation to pay them off as don't want to go there again. Annoyed with myself that I am : (
I have £1700 CC
£300 CC
£1250 CC
I earn £945 a month and have the following outgoings:
Food - £500
Petrol - £70
NUT £9.50
DVLA Car Tax £12.81
Car Tax £11.81
Tescos £25.00
Specsavers £13.00
CC £25.00
EE £20.00
Why and where am I wasting money away. I get hair cut, wax, clothes from charity shops. I spend money on yoga classes.
Should I give these things up? I am currently signed off with stress from work and trying to do some self care also.
Any help, advice would be appreciated.
Many thanks
I have been on here before many years ago and managed to pay off a large debt. Unfortunately I have some credit cards again and need motivation to pay them off as don't want to go there again. Annoyed with myself that I am : (
I have £1700 CC
£300 CC
£1250 CC
I earn £945 a month and have the following outgoings:
Food - £500
Petrol - £70
NUT £9.50
DVLA Car Tax £12.81
Car Tax £11.81
Tescos £25.00
Specsavers £13.00
CC £25.00
EE £20.00
Why and where am I wasting money away. I get hair cut, wax, clothes from charity shops. I spend money on yoga classes.
Should I give these things up? I am currently signed off with stress from work and trying to do some self care also.
Any help, advice would be appreciated.
Many thanks
Became debt free in 2007 after having £15k of debt. Have been a stranger to MSE and now want to get back into my old MSE habits and save, save, save
0
Comments
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Why is your food so high?0
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It is high isn!!!8217;t it :-( and I!!!8217;ve tried cutting down. I feed two adults and two young children. I!!!8217;ve been shopping at Aldi for the last month.
What do you think I could get it down to??Became debt free in 2007 after having £15k of debt. Have been a stranger to MSE and now want to get back into my old MSE habits and save, save, save0 -
Can you do a full SOA? At £945 a month surely you would be entitled to benefits, child benefit ever 4weeks is one.Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180 -
What about the other adult incomeMortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £56099
Cc around £32000 -
You could try free yoga on Youtube - I love Yoga with Adriene.June 2017: owe £16,818.
June 2018: owe £13,263.0 -
Wow! your food bill is high. Hop over the the old style money saving forum for loads of ideas for cutting the bill.
In the mean time make a list of ALL the food you have in the house & devise a meal plan for the next 7 days using what you have. I can guarantee you have enough to last a week if not longer.Tallyhoh! Stopped Smoking October 2000. Saved £29382.50 so far!0 -
Didn't want to read and run. Good luck on your debt free journey and take care of yourself. Be kind to yourself xIt will all be ok in the end - if it's not ok, then it's not the end!
Saving for Christmas 2019 #27 total £62.00
Sealed pot challenge 12 #32 total £67.50
Mortgage paid off.0
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