SOA - Any advice gratefully received

sunflowerlady

I’ve just logged into Hitatchi to see what the settlement figure was looking like and I’ve realised I picked up the wrong figure for the balance. I could actually cry right now. It’s a £1,500 set back.

I wish I could post emojis right now. Grrrrrrrrrrrrrr


I've updated my signature

middleclassbutpoor

You need to have intention with what you are doing, it is what keeps you going through the ups and downs.

Well done on getting some focus on all of this. Mistakes will happen, plans will be challenged - I think Dave Ramsey refers it to Murphy calling which is reference to Murphy's Law of "Anything that can go wrong will go wrong."

Thankfully an incorrect balance is a small hiccup. Keep going - you've got this!

nonsensefactory

If you've been overpaying the mortgage is there an option for a payment holiday and throw every red cent you can find at the cc's....cash in investments, firesale on -bay, forget the holiday and go camping + slash the presents/gifts ?

Sea_Shell

Another vote here for stop overpaying the mortgage and throw those pounds at the debt!!

The other information that may be worth adding to your SOA is when all those 0% CC periods end. It may not be easy to get new deals on 0%, so i'd be tackling the ones that are due to end soonest (after paying debts that have a higher APR)

sunflowerlady

Which is the best snowball calculator to use?

middleclassbutpoor

https://www.stoozing.com/snowball-calculator.php