Danielle24
Registered User
- Messages
- 209
Is €642 the balance or the monthly repayment?Ulster Bank OD 0% € 642.00
Is €956.87 the balance? And you are making €200 p.m. repayments? What is the €470? Bear in mind that once the requirement to keep money in shares while borrowing is taken into account this is probably your most expensive loan (with the possible exception of the Littlewoods one) and thus perhaps worth tackling first. Read this thread:Credit Union Loan 9.43% €956.87 €200pm Savings: €470
Monthly repayment and balance in each case?R&S Alliance 0% €50pm € 1,620.00
BOS Car 8.6% €180pm € 360.00
AIB Loan 9.4 % €134pm € 3,293.07
Littlewoods €15pm €323 (Only this high due to Christmas)
Do you really need VHI?Expenses:
Rent €380pm
VHI €10pm
Seems very low.ESB €20pm approx
Why list this separately? Is your monthly income figure above gross or something?Tax €27pm approx
Ditch this if money is tight.Lotto €20pm (syndicate)
Car? House? Both? Can you get a better deal? You don't have to wait until renewal time to shop around/switch.Insurance €66 pm
Is the €470 the savings balance or what you are contributing each month? Remember that it often makes little sense to be saving while carrying debts.The 956.87 is the balance, repayment €200 pm and savings €470.
You don't have any figure for gas.ESB is about that, heating etc is gas. I houseshare.
Your debts are more important than the Lotto (aka innumeracy tax) or letting your mates down in my opinion.Lotto is a thing in work between 6 of us would feel pretty mean backing out of it.
Is the €470 the savings balance or what you are contributing each month? Remember that it often makes little sense to be saving while carrying debts.
You don't have any figure for gas.
Your debts are more important than the Lotto (aka innumeracy tax) or letting your mates down in my opinion.
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?