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This isn't really a mortgages query yup, you should move it to the Money Makeover forum.
That MBNA credit card is a trap. Once the interest free period is over you will be paying 14.9% interest on the balance. You don't seem to have listed your credit card balance or interest rate. You haven't listed the interest rate on the loans either. This post should help you...http://www.askaboutmoney.com/showthread.php?t=61289I've also applied to MBNA for a credit card that has 10 months interest free balance transfer, so I can just shelve the credit card debt for the moment until next October...
You should be paying no more than €100 per month (€120 next year) on medication, via the Drugs Payment scheme. [broken link removed] If you are not already part of this scheme, get your card asap.As I said in a previous post - part of my problem is the medical issues as a result of the accident - I spend minimum 200 a month on medication and doctors fees, so that depletes the amount left over. It could sometimes be up to 400 a month, depending.
Maybe I'm going wrong somewhere...
Health Insurance - 60pm
Good advice.You should be paying no more than €100 per month (€120 next year) on medication, via the Drugs Payment scheme. [broken link removed] If you are not already part of this scheme, get your card asap.
Is your health insurance covering any of these fees? Have you spoken to your GP about getting these services from the public health services (at no cost) instead of privately?consultant fees of 125, physio costs 40/50 depending on what's needed... counselling of 70 a session (used to go 4 times but have cut down to once a month unfortunately).
I had intended on paying off Loan 2 by the end of this year but I was involved in a car crash in September and, to cut a long story short, I had a HP agreement and ended up having to pay the HP company the loss of the car and getting a new Loan to cover the new car.
The accident wasn't a car accident (don't want to go into too much detail on specifics as anyone could be reading this) and I have a claim in.
I've also applied to MBNA for a credit card that has 10 months interest free balance transfer, so I can just shelve the credit card debt for the moment until next October...
This thread's a little bit muddled.Jambo - I plan to just use the MBNA card until the 10 month period is over, hopefully have it paid off and get rid. No more CC for me... it's either that, or keep where I am with the current 8% interest rate every month...
The accident wasn't a car accident (don't want to go into too much detail on specifics as anyone could be reading this) and I have a claim in.
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