I have a confession to make, it seemed like a good idea at the time and I knew I could make it work for us...
I applied for a loan to clear the rest of our debt :(
However we were turned down! Arggh!
My reasoning was that we could afford it, we'd pay the debt off sooner , the payments would be less and I'd be able to start on the mortgage at the same time.
I was upset when they said no but it has galvanised me to attack the debt and get it paid off the hard but much more satisfying way.
In a strop I switched bank accounts and earnt £100 plus £25 for charity.
I've closed accounts that were no longer needed and sorted things to sell.
I've trimmed back and rounded down.
I'm on a mission!!
And I've got to keep up with the £2014 challenge and This lady