Time to start a fresh.

BlueJ94

So, change of plan. 

Fluid will get the extra £30 a month making it 5 months for Fluid, 4 if I push myself to pay off. 

Sarahwithlove

I would list them all smallest to biggest and start paying smallest off first. It has benefit of being quicker wins and as each debt gets paid you'll have more to put towards the next 

BlueJ94

Sarahwithlove said:

I would list them all smallest to biggest and start paying smallest off first. It has benefit of being quicker wins and as each debt gets paid you'll have more to put towards the next 

Yes true! Maybe I’ll do it like that! 

Parkyp

That’s a good idea from @Sarahwithlove

BlueJ94

I'm going to see if I can lower my pay plans as my budget isn't reaching the end of the month at the minute, so hopefully I can re arrange them.

I also picked strawberries from the garden this morning! 

Parkyp

I’ve heard a lot of people say on here it’s not a sprint to clear debt especially when no interest is being charged. The whole idea of getting help and interest frozen is to help you live a Basic comfortable Life. So you should have enough to last the month and still be chipping away at your debt.  Why don’t you set an affordable limit each month and come next pay day if you still have spare cash in the bank add it your debt.
Everyone would love the debt cleared as soon as possible but it’s just not always possible. I’d rather be paying it off for another year without struggling than pay of a year earlier but struggling and counting every penny. 

You will know what suits you best. 

Hope you strawberries are tasty. Can’t beat this time of year for berries being grown in the uk. 

BlueJ94

Parkyp said:

I’ve heard a lot of people say on here it’s not a sprint to clear debt especially when no interest is being charged. The whole idea of getting help and interest frozen is to help you live a Basic comfortable Life. So you should have enough to last the month and still be chipping away at your debt.  Why don’t you set an affordable limit each month and come next pay day if you still have spare cash in the bank add it your debt.
Everyone would love the debt cleared as soon as possible but it’s just not always possible. I’d rather be paying it off for another year without struggling than pay of a year earlier but struggling and counting every penny. 

You will know what suits you best. 

Hope you strawberries are tasty. Can’t beat this time of year for berries being grown in the uk. 

Yes exactly, I think I'm going to sit down this afternoon and look at what I can afford to be paying and to who.

Yes your plan sounds like a good idea! I'll definitely work out a proper budget today and go from there. Nearly every month I'm running up short, I'll definitely look into it.

Yes super tasty! 

Sarahwithlove

Do you have a budget for yourself? I found that really helped as it allowed me to see how much I actually had left at end of month to pay towards my debts. But I was also strict with myself. I had a grocery allowance and a spending allowance and made myself stick to both. Menu planning helped with keeping my food shop low. I had a lot of basic meals such as baked potato. 

BlueJ94

Sarahwithlove said:

Do you have a budget for yourself? I found that really helped as it allowed me to see how much I actually had left at end of month to pay towards my debts. But I was also strict with myself. I had a grocery allowance and a spending allowance and made myself stick to both. Menu planning helped with keeping my food shop low. I had a lot of basic meals such as baked potato. 

No I didn't even think of that, I'll give that ago! I usually just budget for how much money is going out to DD.

I'll look at doing this! 

BlueJ94

Im thinking, when the time is right to maybe offer F&Fs to higher CCs, not 100% sure on the idea yet though.