Day of days- clearing my debt!!!

angelfairy

Hi 'headinthesand'.

I have only just seen your thread.

Just want to say a huge congratulations to you and your girlfriend. I wish you all the very best.

Can completely understand what you are saying about money over the festive period and starting your money saving come the first day of work in the New Year.

All the best.

Little_Pickle

Hi HITS...

Just wanted to say hello and good luck to you and your lovely lady.
She seems like a wonderful lady and it shows how happy you are together despite your debt!
good for you!

Take care and have a great Christmas!
LP
xox

andromache_2

Congratulations! What lovely news I've been lurking on this forum for ages without actually posting but was reading through your thread and just wanted to give you my best wishes for the new little one! How exciting :T

headinthesand_3

Thank you everyone for your congratulations, it really is fantastic news and LP your right she is wonderful!!

Thats my main motivation for shifting this debt and getting my degree to start a new career to make the best life for my girls, my girlfriend/ wife to be and my unborn baby

I know i can do it, and this site and you mega people give me somewhere to share my ups and downs so my girl stays stress free while she grows my baby

thanks again

headinthesand_3

I was just thinking of transfering my credit card balance off my natwest card on to a 0% deal

What is a good reliable card to go for? As i don't want to go from 0% to 30% overnight like some of the horror stories on here.
I have a natwest card and a morgan stanley card so can't use any cards linked to these companies

Any body any advice?

Little_Pickle

Hi HITS... try looking at the Crdit Card Article by Martin.
It'll give you the best deals at the moment and tell you what credit card to go for depending on your goal... http://www.moneysavingexpert.com/cards/
I hope this helps a little,
LP
xox

headinthesand_3

thanks LP, just applied for a virgin card to transfer my natwest onto, have to wait for them to get back to me, seems almost every credit agreement is getting reviewed these days due to the whole northern rock panick!!!

just a shame they don't review the person they give it to which would prevent alot of people getting in more debt, they really should limit the amount of credit cards people can get, a friend of mine has 10!!!!! and owes around £25000 on them the thought of that massive interest would worry me

hopfully my application is aproved then i have 15months to pay off that card and my natwest will be frozen and only thawed out in emergencies as it has a £10000 limit which should cover anything i can imagine.

Also should be able to clear other card in that time aswell hopefully.

headinthesand_3

Just been accepted by Virgin!! Transfered the balance of my natwest, they asked me what limit i wanted went for £4000 to prevent any chance of increasing my debt!

need to hit that card with £200 a month to clear it in the 15months 0%

headinthesand_3

just snowballed my credit cards and should both be paid off in 15 months!!!

Just got to avoid using them!

Also by then i will have also reduced my loan by £5625!!! Also will free up an extra £300 into my disposable income!!

Mega

Need to do some serious ebay action to reduce the cards even quicker!

headinthesand_3

Off christmas shopping today

Toys r Us bound! hopefully i can get through the day without blowing the budget, won't be easy as going with my gf who gets very excited shopping

No doubt i will be draged around babies r us!!!!!

£150 thats the budget just need to keep reminding myself of that!!! £150 thats all just £150!! right got it

have a great day all I will update with my spending later