Calling all you night owls part 2

piglet29

Hi everyone, off for a wander round the boards, see you in a little while xx;)

Herewegoagain

Hiya piglet, great pic hon, hoz you tonight:beer:

piglet29

Hiya herewego, im fine thanks hun, hows you tonight?;)

Herewegoagain

piglet29 wrote: »

Hiya herewego, im fine thanks hun, hows you tonight?;)

I'm ok, looking around, not much happening eh. Where is everyone:eek: :eek:

piglet29

Herewegoagain wrote: »

I'm ok, looking around, not much happening eh. Where is everyone:eek: :eek:

Im doing same!!!;) Youre right it is a bit quiet again tonight, but its been like it for a couple of nights now:o:confused::eek:
Maybe it cos its hol's time???

Herewegoagain

piglet29 wrote: »

Im doing same!!!;) Youre right it is a bit quiet again tonight, but its been like it for a couple of nights now:o:confused::eek:
Maybe it cos its hol's time???

Or maybe we're scaring em all off:eek: :eek: :eek:
or their at a party and we're not invited:eek: :eek: :eek:

so piglet have a drink on me hon:beer: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

piglet29

Aaaah just what i needed thanks herwego!!;):D

OMG i hope we havent scared them away, dont think we are that bad thou are we????:rotfl::rotfl:

And they definately had better not be having a party without us, we would never forgive them would we hun !!:D:D:rotfl::rotfl:

chal

Just got back from a week in Siberia and i'm absolutely knackered! Nice to see you all on here again!

rubydoiwannabee

Evening nightowls,
Can I be really, really, cheeky and gatecrash your thread with a question please? I put it on the main board but as you have all said it is quiet tonight...so I figured I would come where the experts are.

Any thoughts on this please?

This loan seems like a 'good' solution!! Is it still consolidation?
We owe First Direct just under £11500 on a CC and big overdraft.
OD is 12.19% (balance £4950) and CC (£6500) is 17.90%, according to the snowballing they will take 4.5 years to pay off. Currently pay £275 combined to them a month.

I have been looking at putting them both onto a loan for 4 years that will cost £285 a month and has an interest rate of 6.7%. I am struggling to see how this could be a bad idea, because I won't be paying more or for longer.... am I being dim??? or is it as good an idea as a balance transfer?

Thanks guys,

xx



(sorry to be cheeky, feel free to ignore and tell me to pee off back to the main thread).

boredofbeingathome

Not scared off just found the remedy for sleep...The Olympics..Mr.B stays awake and i get some sleep..bliss.

Hi Ruby, if it works for you hun then go for it, just have a look at the snowball calculator and see of that would be a better way DFD wise!sorry you did do that..blind i am!