Time to start a fresh.

BlueJ94

Thanks both! I even treated myself to some new clothes!

beanielou

Great news 

FootyFanDan

hey, just catching up, great that the money finally come through well done on paying off barclaycard and seeing of another debt, think car fix and a tattoo is a great plan for the money too

BlueJ94

Needles71 said:

Can I ask, if you are trying to save money then why are you wasting money on a tattoo? 

I'm not wasting the money on a tattoo. It's a memorial piece for a pet that recently died. I want to be able to use some of the money for something I personally want and not spend all the money on the debt. 

Legs21

Hi Jade, have been cheering you on from the sidelines. Well done for getting rid of Barclaycard. Hopefully this will spur you on to get the rest of the debts paid off with the Sainsbob money. Keep it up, you’re doing great 👍 

gymgirl11

Well done on paying the Barclaycard off  

You could, if you wanted to throw a tiny bit more money at the debt, round all your payments back down to a 0 at the end. If you pay £3.48 off the Aqua, £9 off the fluid and £9 off the Vanquis it makes all your cards nice and round. I think (thank you calculator) it works out at £21.48 so it could be something that is achievable before you throw any of your Sainsbugs money at the debt  

enthusiasticsaver

Well done on clearing the Barclaycard.  As I recall you have arrangements for the other debts and they are all at 0%?  How much do you pay each month if you do not overpay? 

BlueJ94

gymgirl11 said:

Well done on paying the Barclaycard off  

You could, if you wanted to throw a tiny bit more money at the debt, round all your payments back down to a 0 at the end. If you pay £3.48 off the Aqua, £9 off the fluid and £9 off the Vanquis it makes all your cards nice and round. I think (thank you calculator) it works out at £21.48 so it could be something that is achievable before you throw any of your Sainsbugs money at the debt  

Good idea! I did previously do this so will have a look at doing it again! 

BlueJ94

enthusiasticsaver said:

Well done on clearing the Barclaycard.  As I recall you have arrangements for the other debts and they are all at 0%?  How much do you pay each month if you do not overpay? 

Yes that's right, most of the debts in paying £15, Vanquis is £30 and Likely Loans is also £30PM and 118 is £20.

BlueJ94

Evening all, 

So I worked until 10 again today at Sainsburys then went to asda to do a food shop nearer to home. I was feeling sleepy at 4pm so took a nap, I only woke up at 9.30PM oops! But OH made me some food and I'm going to have a cuppa and hope I get some sleep this evening! on the plus side I'm not with Sainsburys tomorrow morning so don't need to get up at 3am!