toffee87
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Like most people wanting to TTC/or actively TTC I worry about money. Basically we have £4,000 on a credit card, which we can easily pay the minimum payments of £90 a month. We are in our overdraft too, but that will be paid off very soon.
The credit card is on a 0% balance transfer card for 22 months (21 from now). We are aiming to pay about £1500-2000 of it over the next year before TTC. It will be likely that we'll have to transfer it again to another 0% card.
Our joint income pre-tax is £38,700 a year the moment we have approx £200 spare to spend on whatever (after all food, bills, morgtage putting £160 on CC, paying off overdraft etc). Currently our disposable income goes on meals, take aways, books etc-all of which we can live without.
Part of me thinks we should aim to completely clear it (around 2 years) before TTC. Another part of me says to go for it in a year(ish) time as long as we know we can pay the min payments. The other part says, like a lot say, if we wait for money, we'll never had kids.
I'd love to hear from people in a similar situation-people that have credit cards which will go on for a good while, but aren't out of their depth.
Thanks,
Broody
The credit card is on a 0% balance transfer card for 22 months (21 from now). We are aiming to pay about £1500-2000 of it over the next year before TTC. It will be likely that we'll have to transfer it again to another 0% card.
Our joint income pre-tax is £38,700 a year the moment we have approx £200 spare to spend on whatever (after all food, bills, morgtage putting £160 on CC, paying off overdraft etc). Currently our disposable income goes on meals, take aways, books etc-all of which we can live without.
Part of me thinks we should aim to completely clear it (around 2 years) before TTC. Another part of me says to go for it in a year(ish) time as long as we know we can pay the min payments. The other part says, like a lot say, if we wait for money, we'll never had kids.
I'd love to hear from people in a similar situation-people that have credit cards which will go on for a good while, but aren't out of their depth.
Thanks,
Broody
xxx
