Time to start a fresh.

enthusiasticsaver

Good luck with the snowball method. As you say the 118 loan is the most expensive. 

BlueJ94

enthusiasticsaver said:

Good luck with the snowball method. As you say the 118 loan is the most expensive. 

Yep, makes me eyes water. I'm motivated to shift the debt though. 🤞

BlueJ94

Been speaking with Fluid, they've agreed to suspend interest until April for me. 
I'll be paying off capital one and ocean finance next month. 
Next is tackling the loans. 

Paddington75

Good luck, you sound like you've got a clear plan  

BlueJ94

Paddington75 said:

Good luck, you sound like you've got a clear plan  

Thanks it's feels like I'm actually getting somewhere! I'm determined this time to put all I got into paying off these debts as quickly as possible! 

lindsaygalaxy

Just wanted to say hi and to let you know I'm reading and cheering you on. I've been where you are but every penny you can put towards your debt will clear it quicker.  I'm on the other side now trying to save to pay off the mortgage quicker. 

BlueJ94

lindsaygalaxy said:

Just wanted to say hi and to let you know I'm reading and cheering you on. I've been where you are but every penny you can put towards your debt will clear it quicker.  I'm on the other side now trying to save to pay off the mortgage quicker. 

Thank you! It's nice to know people actually do read the updates I post

Oh well done! Hopefully you get there 🤞

BlueJ94

Morning those who read
Not much going on, get home from work at 5pm. Hopefully doing my couch to 5k 🏃‍♀️ if the weather holds off!
I've emailed all CC about freezing interest just waiting to hear back. Likely loans are £10pm at the moment but   freeze interest, 118 money basically said tough. But on their files it says I'm still in DMP so I've had to speak with DMP to cancel my account, not sure why they never did. Hopefully I can go from there and see what they can offer. 🤞

FootyFanDan

Your are doing so well, despite the minor setback with the DMP. 

BlueJ94

FootyFanDan said:

Your are doing so well, despite the minor setback with the DMP. 

Thank you, I feel like I'm actually getting somehwere far quicker on my own. My plan is to have the 3 CC that are under £400 paid off by April. 
Ocean finance £200
Capital one £200
Fluid £400 (interest frozen until April)