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May 28th, 2015 at 07:09 am

I think I am a little obsessed with my debt. Tomorrow is payday, the money from Bank of Scotland will transfer soon. My pay will be less than last month's but I'm not sure how much thanks to less hours.

This is how debt minimum payments are looking right now:

Catalogue: 156.xx (39%)
BoS: 73.xx (24.5%)
Tesco: 25 (0%)

Obviously,pay extra to Littlewoods, and BoS too? Minimum to Tesco since it's 0%?

So, my plan should just be extra to Littlewoods? As much as possible, right? Silly question, I know.

12 Responses to “Obsessive?”

  1. Debt-free by Thir-ty Says:

    I'd definitely be attacking the catalogue. Part of my problem is always trying to tackle many things, but I think if you completely focus on the one, you'll be much better off.

  2. creditcardfree Says:

    Minimum to Tesco, minimum to BOS (which I know is hard), and yes minimum plus as much as you can manage to Littlewoods catalogue. Not a silly question...you just want guidance and support.

    Does 156 go to current balance only and not BNPL? I suppose if you can't get the BNPL paid off in full before the December deadline and the interest/fees are the same either way, it doesn't make sense to pay on it (although I hate saying that).

  3. creditcardfree Says:

    I think it is a very good sign that you are motivated and obsessed! Most of us here get the obsession which you speak of. Smile

  4. scottish girl Says:

    Thanks guys Smile
    CCF: yep, it only goes towards the current balance. I'll see what else I can throw at it tomorrow.

  5. CB in the City Says:

    That's a very good kind of obsession! Yes, I agree, pay minimums on everything but the catalogue and put all your extra funds there. Pound that sucker down!

  6. Joan.of.the.Arch Says:

    Just to make it unanimous, I say, yes, pay down your Littlewoods catalogue purchases!

  7. Nika Says:

    Sarah, where in Scotland do you live? I would love some tips from a local when visiting. Smile

  8. snafu Says:

    How are you doing with meal planning? It's the 1st thing I go to when I'm trying to squeeze money or/and time. Crockpot/slo cooker can be a big help moving leftovers to a plan-over. It's raining and chilly here today so I cleared the fridge of left over coked meat, leftover veggies and less than pristine tomatoes. Added some frozen peas, carrots, can of kidney beans + 1C tomato sauce, water and a whack of Italian type spices to meld into stew-like Minestrone Soup, An hour before serving i'll add the leftover pasta shells that motivated this fridge clear-out.

  9. scottish girl Says:

    Nika: west lothian, in between Glasgow and Edinburgh.
    snafu: i've been a bit lax but I'm going to make sure I do a better job.

  10. Kiki Says:

    I love that you are planning out the payments!

  11. FrugalTexan75 Says:

    I'll chime in ... your obsession is a good one to have! Smile

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