[Cherry Christmas]

Originally Posted by Toy Santa

I dunno, I can't save for ****. I tried to save 1.5k for a new gaming PC for about 3 years... I get to maybe 3 / 400 and end up spending it on something else . Whereas if I get something "buy now pay 12 months later", which most tech sites offer these days, I'm pretty consistent at getting paid off in time, usually early. And they don't charge interest unless you go beyond your fee free period (they bank on people missing the deadline).

Piling up interest-gathering debt is stupid though. I still have a tonne of it from when I was a student... And that was 8 years ago now . Again for the same reason as above though, I'm terrible at getting it paid off, I'm so used to it being a standard part of my outgoings that I don't miss the minimum payments but DO miss any extra cash I put on to try to pay it off. Really what I need is a fixed term consolidation loan to plough on with... But getting a decent interest rate is impossible if you're not a homeowner.

you need to start chipping away at it, can you move some if not all of it to an interest free credit card so that you can at least start paying off some of the capital?