Lucielle's daring debt free journey

lucielle

Do I balance transfer all the o/d onto the citi card and get rid of Barclays?
L

Seaxwyn

That kind of calculation makes my head spin. Is the balance on the Citi card at the same 5.85% rate? And if you get your OD below £1000, would you still have to pay the £25/month fee? If so - I wouldn't do it, that's exorbitant. You could try posting this question on the credit cards forum too.

lucielle

Yes the rate is the same. the fee would still apply. I am still undecided what to do, I know that I am not happy about the fee and feel compelled to do something but don't want to jump out of the frying pan into the fire, IYKWIM.
L

Seaxwyn

How much interest are you paying on the OD at the moment? Do you have to move it?

lucielle

Its roughly between £11-£15 per month and we also have a fee for this account which I am ashamed to say I hadn't noticed before of £14 pm. I don't suppose I do have to move it but now I have realised how much its costing its niggling me!
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lucielle

Have applied online for the A+L account going through Quidco. So that has set the ball rolling to move the o/d from Barclays and just make that a non-paying bank account, probably for food shopping.

Today I took the horse rug back and got my money back. That is good, however my horse is still short of a rug. I have seen one on a website so I will do a bit more research and get one over the weekend. The vet has been today, unfortunately he didn't have time to do his tooth and is coming back on Friday, I hope this doesn't mean 2 call out charges. Have a problem with mine with 1 of his injections which I need to sort out tomorrow.

Asda is delivering tomorrow so we will be able to eat and have toilet roll!! Always useful I find! I am definitely going for my x-ray tomorrow.
L

hypno06

We were down to our last loo roll too today and THAT was one we had "acquired" from work We have 3 loos, so it was a bit like "guess which one has the loo roll in"........not always much fun!

Good luck with the A&L account!

taxi73

Just caught up on your diary and what a bust life you lead.All your meals sound wonderful..you sound like an amazing cook.Good luck with the A+L account.The fees for some bank accounts are awful.

lucielle

Children have gone to school cross legged and I am eyeballing the kitchen towel!!! Roll on 11.00, well it could also be 1 o clock! Sausage and apple pie for tea tonight as long as I remember to get some apples and I have got a couple of lemons need using up so I feel a saucy lemon pudding coming on.

Taxi you posted late/early depending how you look at it, is everything ok?

Well, going to input my Avon order then that is another job done, then its off to ebay to have a look for some Christmas pressies.
L

lucielle

Had the trotters x-rayed, got to wait a week for the results so I will keep on hobbling. Got a few bits and bobs for that time of year.
L