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Low Mood Highlander :(

2»

Comments

  • Well done, they will soon all be gone. V x
  • Highlanddream
    Highlanddream Posts: 159 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    edited 25 November 2024 at 10:02AM
    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    August catch up - £11645
    May 25 :  £14000
    June 25 : £13000                                                                                                          
    July 25 :  £12000
    Aug 25 :  £11880
  • 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.
  • 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 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • 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    August catch up - £11645
    May 25 :  £14000
    June 25 : £13000                                                                                                          
    July 25 :  £12000
    Aug 25 :  £11880
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