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Low Mood Highlander :(
Comments
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Well done, they will soon all be gone. V x0
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So I have put all the CC debt on one with 0% for 20 months, 6000 in 20 months is my aim, any less time will be a bonus. I can pay little tiny amounts as I have it spare so feel so much better. All the small ones were doing my head in. This feels (for me) so much easier. Slowly knock it down.
I feel in control for the first time since I started this in Sept 23.
Will still have the 9075 loan but will work on that after the card.Sept 24 : £32000 Sep 25 - £10356 Feb 26 - £7586
May 25 : £14000 Oct 25 - £9569
June 25 : £13000 Nov 25 - £9275
July 25 : £12000 Dec 25 - £8975
Aug 25 : £11436 Jan 26 - £80651 -
Well done, it's a great feeling when you feel like you have a clear plan.
We're all here to cheer you on as well.My Debt free diary
https://forums.moneysavingexpert.com/discussion/6492297/10-000-steps-1-step-at-a-time0 -
Well done it's definitely easier having it all in one place and knowing you can tick it off as you go along.*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
*Total debt - £7000/£11641.17*
Savings
*Sinking Fund - £800/£2500
*Emergency Fund - £1000/£1000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Small victory, I have changed my loan to a lower interest rate, although it won't make any difference to the amount of interest charged overall now, it will take 7 months off the length of the loan - result!Sept 24 : £32000 Sep 25 - £10356 Feb 26 - £7586
May 25 : £14000 Oct 25 - £9569
June 25 : £13000 Nov 25 - £9275
July 25 : £12000 Dec 25 - £8975
Aug 25 : £11436 Jan 26 - £80651
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