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Finally getting myself sorted? Just the misses to go!
lincsdan86
Posts: 346 Forumite
Well as the name suggests, I think I'm getting myself sorted.
Here is my plan of action
1. Now i ave been accepted for a tesco club card plus account, transfer budget for food and petrol onto this card for the month, and not go over!!
2. Hope the barclaycard that I have been provisionally accepted for has a big enough limit to move my capital one card and mint card onto (and if poss my argos card) 0% for 12 months and then 6.9% apr.
3. Destroy all my credit cards and my debit card for my main barclays account (there is a method to the madness)
4. Leave enough money in my main account to cover the bills and my overdraft if i can and then transfer the rest to my secondary barclays account which doesnt have an od, so once there is no money in there then i cant spend anything(unless i transfer it from my main one, but i wont be doing that!!!!)(might need to resend for the pin tho :-s) lol
This means I will have enough money in my normal account to cover my bills and any extra money i have will be in my spare money account for extra stuff.
Anyone got any other ideas on how i can improve this???????
and
would it be worth trying to do the same for the misses???
Here is my plan of action
1. Now i ave been accepted for a tesco club card plus account, transfer budget for food and petrol onto this card for the month, and not go over!!
2. Hope the barclaycard that I have been provisionally accepted for has a big enough limit to move my capital one card and mint card onto (and if poss my argos card) 0% for 12 months and then 6.9% apr.
3. Destroy all my credit cards and my debit card for my main barclays account (there is a method to the madness)
4. Leave enough money in my main account to cover the bills and my overdraft if i can and then transfer the rest to my secondary barclays account which doesnt have an od, so once there is no money in there then i cant spend anything(unless i transfer it from my main one, but i wont be doing that!!!!)(might need to resend for the pin tho :-s) lol
This means I will have enough money in my normal account to cover my bills and any extra money i have will be in my spare money account for extra stuff.
Anyone got any other ideas on how i can improve this???????
and
would it be worth trying to do the same for the misses???
0
Comments
-
Hi
What about posting your Statement of Affairs so that the experts can see if there is anything else they can shave off your expenditure?Mortgage free as at 1/9/13 :j
To start work on the credit cards now!!0 -
my SOA is already on somewhere i believe0
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lincsdan86 wrote: »my SOA is already on somewhere i believe
http://forums.moneysavingexpert.com/showpost.html?p=13469873&postcount=18
Some days you're the dog..... most days you're the tree!0 -
Norbertsmum wrote: »
yeh that is where it is, thanks0
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