Time to start a fresh. 11 January 2021 at 8:20PM in Debt Free Diaries 1.1K replies 44.1K views

Baileys_Babe

jadewest94 said:

Thanks all! Next debt is the lowest in the which is Vanquis! Which I'll make a start on paying tomorrow

That is dedication, you have a brilliant attitude, good luck clearing your debt.

BlueJ94

Baileys_Babe said:

jadewest94 said:

Thanks all! Next debt is the lowest in the which is Vanquis! Which I'll make a start on paying tomorrow

That is dedication, you have a brilliant attitude, good luck clearing your debt.

Thank you! Just want them gone now

BlueJ94

Afternoon all, 

I've requested account closures for both Fluid and Barclaycard as they've offered to keep them open so I can use them again in the future and I declined. So there's no temptation for me to use them. 

BlueJ94

Just paid £63 to aqua as for some reason Vanquis has blocked me from making payments to them so have to phone them about it

gymgirl11

Well done on making the payment Jade! Are you now going to continue to pay down the Aqua card? Or once you manage to get through to Vanquis are you going to re-focus back on that?  

capuchin

Jade, you're doing great! Be a little careful with closing accounts. It hits your credit utilisation rate [and tank credit rating] so you will be less likely to get good 0% transfers. What I've done is change all my cleared cards to 'payment in full' each month.

BlueJ94

capuchin said:

Jade, you're doing great! Be a little careful with closing accounts. It hits your credit utilisation rate [and tank credit rating] so you will be less likely to get good 0% transfers. What I've done is change all my cleared cards to 'payment in full' each month.

Hey! Thanks, also thanks for the advice appreciated. But, all my debts are on 0% interest right now and I have no future plans to make any balance transfers etc. But I do plan on keeping one CC open as a "just incase"

But thanks, I'll keep that in mind for future!

BlueJ94

gymgirl11 said:

Well done on making the payment Jade! Are you now going to continue to pay down the Aqua card? Or once you manage to get through to Vanquis are you going to re-focus back on that?  

Thank you! Tbh they're both in the similar range anyway so maybe just focus on aqua for now and then get hold of Vanquis. I can't wait to conquer the 118 debt at 2k!

MrFrugalFever

Great effort you’ll be funnelling all your spare income and efforts in to the 118 debt before you know it!
As it’s approaching Xmas it becomes really, really tempting to start splashing out but you’ve done so well and I think you’ve got this so hopefully you’ll resist that temptation!

Baileys_Babe

How frustrating about Vanquis. Well done on not letting that derail your plans.