THANK U all 4 everything. Plus need extra advice pls!

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  • pippo
    pippo Posts: 3,891 Forumite
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    Pay the provi man - can you imagine how good you'd feel then!
    Either that or the Vanquis - I know it would feel good to pay one whole debt off, but paying it off one that chrges interest will make your money go further.
  • kittiej
    kittiej Posts: 2,564 Forumite
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    All the interest is added on at the beginning with provi loans and even if you pay them off early you get a pittance of the interest back.

    I'm talking pence.

    If you can't face your agent Bart then can't you agree to leave your payment somewhere?

    I pay mine by cheque so if I know I won't be in I put it in an envelope and pin to the front door. :)
    Karma - the consequences of ones acts."It's OK to falter otherwise how will you know what success feels like?"1 debt v 100 days £2000
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
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    i'd find out how much is outstanding on the council tax and pay that or pay off the vanquis card.
    As has been said before i don't think you'll gain much by paying off the provi early
    good luck
  • bountiful
    bountiful Posts: 485 Forumite
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    Crikey - just read through this thread - and will be watching to see what you decide to do - you only got excited about one suggestion and that was paying off the computer..... Isn't it hard?! Thank goodness we can share and have a laugh about it together.:o
    Debt free by 22 January 2009 - thanks to an unexpected inheritance - take heart - it DOES HAPPEN!
  • BartGirl
    BartGirl Posts: 510 Forumite
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    I've decided that I'll call the council in the morn and see what the situation is with them.
    Shall decide after that!!!! (or not!) hahahaha...i'm proper confused now!
    CC1: [strike]1,500[/strike] CC2:[strike]£830[/strike] Vanquis [strike]£1500[/strike] £2000 left
    S.Elec: [strike]£258[/strike] £ 0
    CT [strike]1734.52[/strike] £ 0
    Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!
  • bountiful
    bountiful Posts: 485 Forumite
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    Are you a Libran by any chance?????
    Debt free by 22 January 2009 - thanks to an unexpected inheritance - take heart - it DOES HAPPEN!
  • Numpty_Monkey
    Numpty_Monkey Posts: 14,196 Forumite
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    :j i'm always confused :confused::p :rotfl:
    PROUD TO BE DEALING WITH MY DEBT NERD #869
    Numpty,Not sure why but I'm crying :o . Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & :( for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
    xx
    DFD 5/1/16
  • BartGirl
    BartGirl Posts: 510 Forumite
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    Capricorn!
    CC1: [strike]1,500[/strike] CC2:[strike]£830[/strike] Vanquis [strike]£1500[/strike] £2000 left
    S.Elec: [strike]£258[/strike] £ 0
    CT [strike]1734.52[/strike] £ 0
    Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!
  • bountiful
    bountiful Posts: 485 Forumite
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    I don't know many Capricorns - are they generally cautious deciders? I'm Sagittarian - so can tend to be impulsive and over-optimistic - then get really down :)
    Debt free by 22 January 2009 - thanks to an unexpected inheritance - take heart - it DOES HAPPEN!
  • BartGirl
    BartGirl Posts: 510 Forumite
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    Saggitarian - thats my mum - and she's a serious spender..but thats a whole other thread!!
    CC1: [strike]1,500[/strike] CC2:[strike]£830[/strike] Vanquis [strike]£1500[/strike] £2000 left
    S.Elec: [strike]£258[/strike] £ 0
    CT [strike]1734.52[/strike] £ 0
    Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!
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