I wish I could tell my younger self not to sign up for the Littlewoods catalogue. Just because your mum used catalogues when you were growing up, doesn't mean you have to.
While there, I'd make sure to set up some automatic deposits to start my Emergency Fund.
I looked into transferring some of Littlewoods balance to my Tesco credit card. I can only transfer a credit card balance in my name. Now I'm considering whether to transfer some of Bank of Scotland's balance to it? (1000 would be the limit since I have 1200 remaining credit on Tesco)
I told my mum she has 200 in savings. She was pleased to say the least.
We almost had an emergency the other day. I went into the kitchen and noticed water everywhere. Dh figured out that the pipe from the washing machine had been leaking. It's fixed now. It made me realise that my savings don't cut it if an actual emergency were to happen. (Of course, I remember when I had 7.60 in my EF, so I've at least moved on from then)
23 year-old Sarah, don't do it...
May 21st, 2015 at 09:15 am
May 21st, 2015 at 11:02 am 1432202561
Also your EF atm might not be enough to cover an emergency but if you're lucky you won't have an emergency for a long time and by then might be able to snowball your debt repayments into EF savings, stay dedicated and it will grow
May 21st, 2015 at 01:25 pm 1432211138
So you can't transfer the Littlewoods to a credit card? This does make some sense to me. This is where a personal loan may work. Definitely explain to the bank what your plan is for the money. They give you the money and you write a check to Littlewoods. Or if they prefer they can write the check to Littlewoods on your behalf. That way the bank knows the money they are giving you is going to reduce other debt.
May 21st, 2015 at 01:51 pm 1432212689
May 21st, 2015 at 06:25 pm 1432229100
May 22nd, 2015 at 01:16 am 1432253797
May 22nd, 2015 at 05:48 am 1432270100
May 22nd, 2015 at 08:58 am 1432281520
I would probably just give myself a beating because it was long over due.
If we could go back and change mistakes it wouldn't be life. First the test, then the lesson.
The biggest most derailing mistake of my life cost me everything and I was homeless for a time. I would lay awake wishing I could change things or do things differently, but at the lowest worst time of my life I met my wife.
Which, 7 years later, I know will be the best thing to ever happen to me. I would make the same mistakes over and over if it means I get to spend even a day with my lady.