ratrace wrote: »
Hi dont want to come across as harsh but your car is killing you you are spending £500+ every month on it thats more double what you spend to feed your self can you trade itin for a cheaper one and wipe £8k straight from your debt
Also family loan on your soa it says 0 payments going towards that when is due to be paid and what will be the payments
same with the help to buy when is that due to be paid back and whats the plans to raise the amount is it to remortgage if so then its very important to reduce your overall debt as fast as possible that way you will get a better interest rate etc...
sorry if i have come across as a bit harsh but it coming from a good place
True LBM, December 2019 = £32934. Current Debt = £12762. 1% Challenge = 61.1%. #51 3-6 Month EF Challenge = £1200/£6000
BankMoth888 wrote: »
Wow! Reading your diary is inspiring (and a tiny bit shaming!) because you are working so, so hard and in multiple directions. You've really shown me that I need to step up quite a few gears on my own plan. The part of your first post that resonated with me the most was "I just thought life would sort itself out" because that was totally my previous position too. Ha ha how we kid ourselves into thinking it will all magically be OK! Your new attitude will have this cleared in no time though and I'll be following along hoping to pick up some tips and a little bit of your amazing motivation. Good Luck
So I can completely fill up with fuel and have nothing left, or put half or a quarter tank in and put the rest towards debt payment at the end of the month. I'm not really sure. Both have benefits, but I think adding a bit extra to the debt payoff would help my motivation, even if I could save myself some money from next months budget by filling up now.
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