*heavy sigh* here goes nothing

[maz]

I am sick to death of our pay coming in one hand and with the other paying out our debt to be left in exactly the same spot with no more then we had before getting paid.

I rang our bank today...took the step and we can refinance and put 3 large out going bills which we pay $1500 for each fortnight into one loan and only pay $500.

Cards are going to be cut up and closed...Ive worked hard the last 6 months and paid of quiet a bit but we just need that final little hand and we'll get ontop of this.

We are now sitting here (and im panicking that we wont get it) now waiting until we get the approval..which is MONDAY man it feels like forever away.

J man has no choice this time either...last time we consolidated he kept 2 of the credit accounts open and when money was tight instead of waiting it out we used them and got to this point. NOpe, he doesnt know it yet BUT Ive asked for the bank to close the accounts and as the accounts are with them they are more then happy to.

So over it. Im the banker in the family, you know pay's the bill's and stresses their head about what to pay first..Im over it its just one stress I dont need anymore.

Keep your fingers crossed for us please and with a bit of luck we'll get it by Christmas

[Nettie]

Good luck hun. xxx

I've just done this too. Feel awful that we're now in debt more than double what we paid for the house 15 years ago! But this time I'm really hopeful that we'll make some improvements to the house and we'll be able to make some headway...

I hope your approval comes through early so you're not waiting around all day...

[BrightSparkles]

Crossing my fingers for you. xx

[helle]

good on you! credit cards are just another bill.
FX for you, m'dear xx

[maz]

Toni - we're the same but Id rather do that then rent. I couldnt handle not being able to rip down a wall if it annoyed me

Sadly Its going to be a shock to me...Ive never NOT had a credit card...*gulp*

Monday...good god its going to kill me!!!!!

[Tinks]

Fingers crossed for you Maz.

We were in a similar position a few years ago and got rid of teh credit cards, it was the best decision we ever made. It taught us to save for emergencies and the things we need and/or want. I hope you get the loan and things pick up for you xxx

[Tinks]

Sadly Its going to be a shock to me...Ive never NOT had a credit card...*gulp*

Get a Visa Debit card. They're great.

[Olive]

fingers crossed for you maz! im 32 and NEVER had a credit card!

[maz]

I cant wait to never have one....Im going to wait and see what happens and apply for what you said Tinks. Hopefully my bank has them so I can get it for my business account I was really proud last weekend. I only used the card ONCE the entire time, the rest was from my cash account or cash. 2011 is going to be a brand new year in so many ways

[LimeSlice]

No CC rocks! You will feel sooo much better and no temptations to buy things you know you can't afford - if it isn't in the account, there is nothing there!

Fingers crossed for you Mazzie, you have been working your toosh off this year, you deserve a break xo

[angelaartsstudent]

I am also a fan of no credit card. It's a good feeling.

I've never had one, but do have a debit card (visa) - it means you have all the plus side of a credit card, but you have to have the money in the first place, which I like.

[Nettie]

I'm with you Maz - there's no way I'd rent, I like the freedom too! After all, what landlord would allow a bright blue bathroom, hey?

We've got a CC, but we've got a $1,000 limit which I hardly ever let into the credit side (always have our own money on it). Almost as good as a debit card!

[Joeve]

Good luck Maz, less debt makes you feel so much more in control. Having the ability to tuck a bit away for emergencies is so much easier when you don't have the temptation to think you will just put it on the credit card. Here's to a more financially positive 2011.

[maz]

Fingers crossed for you Mazzie, you have been working your toosh off this year, you deserve a break xo

I don't think I'll be working anyless next year either im on a mission to get ahead lol

I'm with you Maz - there's no way I'd rent, I like the freedom too! After all, what landlord would allow a bright blue bathroom, hey?

its not going to be blue for much longer

thank you all for your positive vibes and advice. I am really looking forward to next year now, even if we dont get the loan Im still going to kick this debt in the butt

[MrsB26]

Good luck Maz - i could never give up my credit card although i hardly use it. I'm a cash girl, i get my budgeted money in cash and thats it. I keep all reciepts so i know where my $$ has gone and if i direct transfer or PP something then as a rule i must have the cash in my wallet to cover it there and then or i cant buy it. You have the right attitude to make it work for you guys too!!

[*Ali*]

I agree that having no cc rocks, we got rid of ours when we bought our house last year. We actualley have savings in the bank now, and I tell ya what i always think twice before I transfer money out of there to buy something, where as when I had a credit card I would never have given it a second thought.

[Jewel]

Good luck. I hope you get approved!

[CrazyLady]

Toni - we're the same but Id rather do that then rent. I couldnt handle not being able to rip down a wall if it annoyed me

Sadly Its going to be a shock to me...Ive never NOT had a credit card...*gulp*

Monday...good god its going to kill me!!!!!

A house is good too if you need a lot of money in an emergency. My Aunty and uncle had to refinance their house to fund cancer treatment. Not saying anyone will get cancer but it's nice to have that security.

DP and I have NEVER had a credit card. If we don't have the cash for it then we can obniously live without it. I'm 26 and he's 31 so it's not as if we're really young I'm good with finances though and we seem to make ends meet (JUST)

FX for ya Maz! You're a smart chicky and it'll work out!