Divorce debt be gone!

Sarahwithlove

biggerpickle said:

@Sarahwithlove - Ive actually done that, ones next payment will be £63 so rounding to a fixed £65, for about 7 months, the other just under £20 so fixing at that for about 4 months. 

Sounds like a good plan. It gets easier once you have less creditors as more can go towards one and you start to see it going down quicker

biggerpickle

Debt just keeps on giving doesn't it?! Naffwest still haven't fixed the 0% interest rate issue on the 2nd balance transfer I did with them so now have interest on that card after thinking I'd cracked the debt plan only the other day.

Not sure I can face the hours on the phone to sort it again so think am just going to do another 0% BT to another card and close naffwest completely. Also means I can shift the Hfax interest bearing balance if I can get a £3k deal. More admin!

biggerpickle

Balance transfers sorted - i now have two 0% fee / 0% interest accounts until next autumn, hoping to have 80% of debt cleared by then so kicked the next 0% need down the line which is brilliant and after October this year when bitty debts sorted, I can just leave those 2 running with fixed payment amounts and lots less monthly plate spinning.

biggerpickle

Really kicking myself doing that blowout yet seriously underwhelming £150 treat lunch on payday as I've had to pull back money from savings that am desperately trying to rebuild fur the next service charge bill (and anything else).

Also irrationally wound up that teenmonster#2 has lost his zip card and TfL have increased the replacement charge, its been £10 for years and now its £11.

I have a big weekend away coming up that I know is going to demolish the rest of this month's savings, and probably more. Apart from hotel and train tickets that are already paid for there's going to be event tickets, 2 x lunches, snacks etc, 1 x dinner and general spends for 3 of us.