How's your journey going? I do worry that if I ever make it to the debt free world that I will fall back in to the pit by being lured in to 0% deals and buy now pay later offers.
A little off subject but thank you for mentioning Alvin Hall in an earlier post - I had forgotten about him but was an avid viewer/reader of his work when he was on BBC years ago. So I googled him and found loads to read and listen to which I have started today whilst doing the ironing! What a find and very happy. Thanks again - amazing where reading one thing leads to another!
@IrishSean I think lots of the 0% offers have dried up at the moment due to the current climate, I had no luck with any on clear score or MSE credit club. However when I checked Credit Karma I had a deal from MBNA which I took advantage of a few weeks ago. I am also of the understanding that all your current debt is 0% at present until Autumn time. So I wouldn’t worry too much about the lack of offers at the moment and asses that bridge when you come to it. Obviously if you have the ability to overpay and it’s not going to put you in a bad financial position then go for it.Definitely don’t be discouraged though you are doing great. Plus if you are getting a mortgage in a few years I wouldn’t worry about the lack of credit is available to you right now it’s irrelevant. Just keep on paying the debt down and you will then be seen in the future as more favourable to lenders.
New plans have just been announced by the Government
DON'T assume your landlord covers you
Incl £2ish sun cream & £1.50 disposable BBQs