Time to start a fresh.

BlueJ94

I have joined the PAD challenge to hopefully motivate me to find ways to earn money and pay extra! 

FootyFanDan

You are making great progress, good news on the Vanquis payment too. 

BlueJ94

FootyFanDan said:

You are making great progress, good news on the Vanquis payment too. 

Thank you! Now I have payment plans on all accounts I feel better as I know none will incure interest!

MrFrugalFever

Jade, a suggestion and I’m sorry if I’ve misinterpreted your intentions, but I think you should set yourself a challenge to overpay marbles debt ONLY for next few months, with EVERY spare penny you have, cut right back, I’m talking go extreme with it, you’ll clear it by July and it will feel so good, then tackle next smallest.

leave the loans to last, they are what they are, when you get in to the mindset needed it will get easier.

BlueJ94

MrFrugalFever said:

Jade, a suggestion and I’m sorry if I’ve misinterpreted your intentions, but I think you should set yourself a challenge to overpay marbles debt ONLY for next few months, with EVERY spare penny you have, cut right back, I’m talking go extreme with it, you’ll clear it by July and it will feel so good, then tackle next smallest.

leave the loans to last, they are what they are, when you get in to the mindset needed it will get easier.

Hello,

Thanks for the advice. I was actually thinking this over the other day. Its the lowest CC debt I have, anything I get from surveys or eBay selling I'm planning to put towards that debt only. As you said, it will feel good to have another ticked off the list.

I know aqua for some reason is still set to £16 per month payment plan and I spoke to someone on the phone and they said to just pay the extra to make it to £30 if I wanted rather than changing the DD. I think I'll pay the difference towards Marbles instead.

Also, loans I think when I eventually get the house money I'll pay a little towards each of them. 


Thanks for the help! Appreciate anymore advice you have

BlueJ94

Morning all! 

Not much going on, work and I’ll also try and do some surveys to get extra money to pay off my marbles card! I have a few that I’m close to cashing out on. 

BlueJ94

This evening I plan on doing some surveys, checking what freebies I can nab. Managed to order some free sunflowers this morning! Might print off some free coupons! Not much else going on, pretty tired today 

BlueJ94

Pad challenge £2 sent to Marbles.

Marbles now at £170.64

BlueJ94

PAD challenge £2 sent to Marbles again, money from surveys this weekend 

Paddington75

You're going great guns with your debt busting, well done