saving or paying off debts

by **Angela** Mon Jan 11, 2010 11:39 am

it doesn't matter

what would you like to save for or are you trying to clear a debt off

i'm doing a bit off both tbh

rob ran up my credit card as he had a second card, he even bought my crimbo pressies on it the year before last but because it's in my name i have to clear it so i'm aiming to get that halfed this year at least

i also want to have some savings behind me too as you never know whats round ther corner x

by **Debs** Mon Jan 11, 2010 11:41 am

we've done an iva 3 yrs ago, got 2 yrs left then the rest of our debt is paid off saving or paying off debts Icon_cheers

and im doing park this yr for xmas saving or paying off debts Icon_cheers

x

by **Angela** Mon Jan 11, 2010 11:44 am

very organised debs

by **Debs** Mon Jan 11, 2010 11:45 am

i hope to be, cant wait till the IVA is finished, be £300 better off a month x

by **elaine** Mon Jan 11, 2010 11:56 am

i have some debts to pay ...should be completely cleared by march ...
im watching every penny this year.
less of the phone usage etc...

i have never saved for anything in my life though so its gonna be a challenge and a half lol

by **Angela** Mon Jan 11, 2010 12:07 pm

i think the most i've saved was about 200 quid but by the time rob knew it was there it was gone so it's nice to be able to put money aside now

received my £50 winter fuel payment so i just stuck it in my savings account as it's £50 i didn't have.

it's nice to see the pounds mounting up

by **elaine** Mon Jan 11, 2010 12:45 pm

defo is...you have a nice wee starter

by **Angela** Mon Jan 11, 2010 1:08 pm

yeah i'm being very tight lol so any money at the end of the month goes straight into my savings account lol

by **mummymoo** Mon Jan 11, 2010 7:50 pm

i'm trying to pay off my uni debts 6 years after leaving saving or paying off debts Icon_cry

Wish I'd known about the Open Uni in 1999 cos I would have done my degree through that instead of the fiasco I did go through

by **kate** Mon Jan 11, 2010 10:48 pm

Im gonna try and aave got my bday and marks cousins wedding this year, so every penny, Loads of ebaying for me!

by **shazza** Mon Jan 11, 2010 11:24 pm

we're doing both too.

i put away £10 a fortnight in my credit union thru work, i've today opened up a christmas savings a/c and putting in £20 a fortnight for xmas - you cant take it out and get it all paid out middle november!

sandy got a loan thru his credit union so we are already paying back £100 a month to a credit card he had and my next a/c, lol. then we'll be clearing more again when thats finished! we earned a fortune aswell....god knows why we got debt...oh well nevermind...we get all our bills paid and can pay them so not a big problem...would just be nice to have all that extra cash. x

by **ellen** Tue Jan 12, 2010 7:47 am

im gonna start saving with the credit union, five or ten pounds a week, it all mounts up.

by **Angela** Tue Jan 12, 2010 12:51 pm

glad to hear everyone being positive about the savings club x

by **steph** Tue Jan 12, 2010 2:09 pm

im in debt
its a vicious circle im in tho as what money i get i dont see as it goes straight out to bills/direct debits...
i will b trying to pay off my overdraft not sure how long it will take
then iv got 3 yrs of car finance to pay monthly
im gna try save too as we have a few bdays comming up and id feel like crap if i couldnt give a decent pressi.. lol x