Divorce debt be gone!

biggerpickle

Last gap of available low balance transfer card from B to H done.

This means priorities on debt now above making minimum payments on 4 cards and other odds and ends debts:
- balance on H card that was spends before BT (Feb-March pay days)
- full balance on B card so that's almost cleared before end of Jul 0% and then close that (March - Aug paydays)
- full balance on V card - it's not going to be cleared before end of the 0% and then close that - I can cope with some interest to avoid opening any more cards. (Sep-Jan paydays)
- then to the H card that now has just over £3k of low interest / no fee BT on it (2027 😩 paydays)

Oh and make sure debt actually keeps going down, this means summer hols flights will be booked in a month or two so I don't sneak back over that blasted 10k 🤣

I sneaked abroad for a few days to visit the family while teenmonsters were at the exs and get some much needed vitamin D which was lovely but back to reality now.

almost the weekend folks, keep on going x

biggerpickle

Bit the bullet and booked summer hols flights as both the orange and Irish airlines had sale offers on the route needed, sorted for just over 300 quid which is great for the summer hols so worth the debt hit. I'll book the local onward travelmuch nearer the time and we'll be off peak travel times each end here.

Gonna be a very tight paymonth this month thanks to clearing the service charge bill, might need to dip into savings but only 25 days til the next pay day 😫

biggerpickle

Was time for the energy switcheroo - the £84 credit on old supplier landed today which means I shouldn't have to dip into savings / EF this month which is a psychological result.

Particularly rough few days, not least of which is a stinking cold, but have sorted out some more money stuff. Did a 0% balance transfer offer from B to V cards which closes a card and I was never going to pay both existing balances before each 0% ran out so this shunts one down the line for another 12 months.This reduces debt plates spinning by 1, only another 7 to go, some of which will also disappear in the next few months.

biggerpickle

Still not well so an afternoon of sofa and tv before the post school chaos descends.

Horrified to see an ad on itv for 15+% consolidation loans being sold as a solution to debt!! Thank gawd have I've been able to do more or less 0% balance transfers.

beanielou

Absolutely horrifying isn’t it.

Humdinger1

Yup, you can't borrow your way out of debt...

biggerpickle

My service charge was paid and this month is family member's service charge that SIL and I pay so, along with teens & I summer flights and DP and I booking a summer break, debt reduction this month will go backwards. And back over that ***** £10k barrier Argh!!!!!

doingitanyway

You will be back under 10k in no time. It isn't as if the money was frittered

biggerpickle

Have to say @doingitanyway I am very much looking forward to the 4 days DP & I have booked as it's a music festival and we can relive our student days together, albeit at a slower pace now we're both the "wrong" side of 50! He owes me the ticket money but has stuff of his own going on so have told him no rush but that'll be straight off debt when he does.

biggerpickle

Lovely DP has paid his half of the festival ticket over, despite this meaning he has to do some juggling later this month so my debt will stay under £10k!!! Yay!!!!