It's been a while since I've taken a proper good look at my debt. Ugh. I hate it. I spent a while earlier working out some numbers.
Four paydays until my massive bnpl item from last year will be added. I keep on paying 200 each pay to my actual bill, so it will be 800 less by then.
111 left to pay of J's cot and mattress. I have until April to pay this.
Last week I just paid the minimum to BoS. I checked my budget this morning and I had budgeted 90, so I sent an extra 42 to make it up.
I set up faster payment via my bank for the new credit card. If I paid 106.30 every month I would have it paid off in 26 months. Nothing has been put to it yet.
21 months left to payoff Tesco credit card before the interest-free period is up. Balance now is 1555. I'd have to pay 74.04 to get it paid off by then.
I would love to pay it all off, obviously. I need to find a way to pay extra to the 0% cards so I'm not carrying that debt over when it ends.
The catalogue is the biggest problem though. If I wasn't paying that I'd have extra to pay to the credit cards. Also, I still have to get rid of the remaining BOS balance.
Right now I pay 300 each pay to debt, roughly.
Catalogue: 200 + 15 bnpl payment
BoS: 70 (although 90 this pay)
Tesco: 30 (35 today though)
I need to add Nationwide's credit card payment on to this too.
Hmm. I didn't actually solve anything.
Playing with Numbers
August 28th, 2015 at 08:17 am
August 28th, 2015 at 11:48 am 1440758927
August 28th, 2015 at 01:41 pm 1440765692
August 28th, 2015 at 11:49 pm 1440802185
August 30th, 2015 at 05:55 am 1440910508