Cleared - Fresh Start

Evenstar20

Cleared - New Diary Started

Grumpelstiltskin

When do your 0% deals run out?

You need to keep an eye on them.

On-the-coast

I'd ignore the student loan until everything else is sorted out. 
As above you need to be very clear about when the 0%'s run out, and what rate they then become, but in the meantime Very & Marble have eye-wateringly high interest rates - so there's your focus.  Hopefully you've got a good ongoing source of income - and best wishes for all of the growing family.

ellenvan

Agree with other posters - do something quick about Marble and Very - they are worth putting every penny you can against,
A great incentive to do extra surveys selling etc,  Paying those off as soon as possible with free up lots of extra money to snowball against the other debts.
Might be worth posting a SOA if you can bear suggestions for cuts in your budget.

savingholmes

Good luck on your journey.

Grumpelstiltskin

I think if you really squeeze everything tight over the next 3 months you should hopefully be able to get the Very paid off that will give you an extra £150 a month to go towards Marble.

You can't guarantee that you will be able to transfer MBNA to another 0% card.

savingholmes

Have you looked at whether you'd qualify for any other 0% or low cost transfers as some of those rates are eye wateringly high. 

Happy New Year! Good you are heading in the right direction.

savingholmes

Well done on the £14. 

outoftheviciouscircle

Hi Evenstar, just wanted to pop in and say good luck and I'm rooting for you. I have £66,000 worth of debt that I hope to clear in 4 years also. It'll be tough but we can do it!!!!

Sarahwithlove

Do you have anything you can sell? What are your circumstances? Do you have a mortgage for example? just wondering whether you could consider requesting interest breaks from some of the companies? Will impact your credit score but some of those interest rates are just eye watering! 

savingholmes

Well done on the surveys