Consolidate for somebody else?

DCFC79

How bad do you want to be out of debt ?


Where is it you shop ? or plan on moving shopping too ?

Khujiro

I currently shop at Morrisons and I'm switching to Lidl. I want to be out of debt pretty badly but having money is worthless without having your health.

yksi

You're not terrible with money and you don't suck - you're a work in progress and you are facing up to your responsibilities It takes time to get it right.

Knuckling down and looking at every tiny place that money goes to, and questioning whether it can be reduced, it's a learning process and you're on the right track. In the mean time, make sure you know when Halifax, Tesco and Aqua lose their 0% status.

It's not all doom and gloom, the reason you can't find 0% deals right now is that lenders believe you have too much total credit. As you manage to get rid of some of it and lower that total, the deals will eventually open up again.