The 'I want it NOW!!' debt/savings thread

jenjade

yeah i filled in a form for a cashback offer thing on £10 worth of pertrol so i should get a cheques for £10 by the end of next month to add to my totals!

Nichelette

That's rubbish Hayley, I wish people would be nice or keep quiet. Just ignore them like everyone else has said.

My view of my debt has changed a bit. I've basically decided not to pay my student loan off until I have to...there is reasoning behind this, honest. If I get the job I'm after I'll only be about £500 above the repayment threshold, so I'll be paying back peanuts. I'm making more by keeping my money in my ISA than I'll be losing in interest payments, so soon I'll have a big lump sum in there. I've realised that the last thing I'll probably want to do with the money I've saved hard for is to use it to pay off a 0% loan. So, for that reason it has now become my house deposit. I'm aiming to fill my ISA every year for a while and then save some more, though I obviously need to pay my overdrafts off so I'm getting a bit ahead of myself, that said they are tiered so I only have to pay back another £1200 by August anyway.

I've just completed my second review of the day .

moneymabel

Missed the £2.50 mini post - thanks yukki !keyrings about all I can afford at the mo!
good call on the loan nicki- def the right thing to do I reckon.

Decided from now I'm going to keep a record of how much 'free money' I'm getting starting from today- will leave it in my current account as it gets 8% interest at the mo and I won't be penalized like I would if I withdrew it from my ISA.
Will be interesting to see how much I can get!

jenjade

well i haven't done any reviews today i just can;t do it today. i have done some comps though!

jenjade

yeah i have done one review off to bed now. i wil be really annoyed with myself tommorow that i didn;t write another one!! never mind

thepinklady

Amy - i think you mentioned the boots christmas book, i believe its out on the 8th October hun.

Jen - least you have done 1 review. I have only managed two, i tried to do another as i prob won't be online tomorrow or Wednesday but i really can't be bothered, i much prefer writing them in work time lol.

Night night all xx

CompletelyLost

Evening all,

I've been looking at Threadless and really want this tshirt:
http://www.threadless.com/product/160/Puppet_Ballet

My justification being that I don't yet own a pink tshirt. Then again I spent £34 on M+M direct at the weekend so I feel a bit naughty... I am desperate for clothes though, I've been feeling like a right mess lately.

MM: which account gives 8%? that's a really good rate. I don't think my current account pays anything.

lilmissmup

Morning all,

Just nipping in to say double scratches today on the cards, sadly i only got 10p on all six scratches but still better than nowt!

Hope everyone has a good day, i am off to the orthodontist today for my first adjustment so gonna have an achey mouth but at least its not Monday!

jenjade

oh well that is 60p more that you had before you did them!

on my 4 cards the 8 scratched i did got me 7 10ps and 1 50p yeah!!

right got up later so i better go and get ready for work

moneymabel

cute tshirt cl :-) my bank account is Alliance and Leicester - switched via Quidco for £50. Only 8% for first year, can't remember what it is after that but better than nationwides 0.1% !!
Thanks for scratchcard info lilmiss- will do them now.
Got 8100 points on dooyoo must try to write 2 reviews today.