i don't know where to start

anniestar

Just wanted to say a very warm welcome and good luck.

Mrs_Sparkle

Hi and welcome- you're in the right place! I had pretty much the same amount of debt as you when I first joined here. I second the suggestion about childcare vouchers- they make a big difference to our budget as my husband and I both have them.

beckyandjack

have looked on nhs website and they do busy bee vouchers so going to ring first thing tomorrow.

also have just got letter saying am having £5000 payrise backdated from last june, so will probably get about half of that to add to the pot! silly postman delivered it next door but was nice surprise when the neighbours brought it round!!!!!!

beckyandjack

also the neighbour just brought round a letter delivered there by mistake, says i'm getting a £5000 pay rise from last june, so should prob see about half that after the tax and student loans people steal some off me!
seems like everythings just stating to get better already!

beckyandjack

my computer broke, sorry don't know what's happening

Burlesque_Babe

it got all excited with the wonderful news about the backdated payrise

anniebooklover

Hi there

I have checked and double-checked your figures and I can't get them to agree with your sig. From the figures you gave in your first post, it seems you haven't included the natwest loan of £12,000 in your total. I may have got this wrong and if I have, I'm sorry. I just wanted to make sure that you are working with the correct figures.

Good luck with getting things sorted and congratulations on the unexpected payrise! Take the advice offered, these wonderful people know exactly what they are talking about. :A

beckyandjack

no not included as can't make overpayments, so just taking payments into normal budget then splitting the remaining between everyone else, thought this made sense as can't really do anything about them

beckyandjack

also, just wondered, would i be better off paying the debts where i've got a default first even if they agree to 0% interest???

would this make my credit rating better faster or not?

have rebudgeted and can now pay £700 a month so using snowball and doing it that way, but the one with tesco which is defaulted is further down the list as i put it down at 0% in hope.

beckyandjack

ok, so can make a payment to loans but only to pay off everything but 1p, then will be charged interest on that i think