First one to clear 15k gets a paper hat

ShelleyC_2

Welcome Busy, agree with CAFCGirl do a full SOA even if not brave enought to post its an eye opener. Especially if you make it even more accurate by doing a spending diary for a while.

I applied for amex cashback card and its been taking ages.. Was worried about my credit report so joined experian and looked myself. Amazingly good results :j I guess because for years I always managed paying minimum amounts at least. Scary how far back it all goes. Was then brave enough to phone amex who said its only a proof of identity thing cos I've only been here for 8 months. Fingers crossed I'll get it soon.

TMD, have you tried Abbey zero - its only a 6month 0% but they approved my friend who was turned down by virgin

too_much_debt

CAFCGirl wrote: »

Whats the plan with the card then TMD?

Well, bf has £3,000 on his credit card and he has £9,000 on another two credit cards (split between the 2), a year or so ago his mum needed money and he did a bank transfer from his credit card to her bank she was meant to pay it back a couple of months after but so far she has no money so he's going to transfer the 3 cards onto the one so he has one payment until such time as she pays him back which will hopefully be in the next few months.

too_much_debt

Hi Shelley

I don't want to apply for another card as I don't have a job, I am self employed but don't earn much so would not get accepted at the moment. I have 0% offer on my Lloyds so might transfer the £3,000 that's left on my A&L as A&L always have good offers on Balance Transfers although the latest one is only for 6 months now it was for longer originally so I'll wait until that one expires and they give me another one.

CAFCGirl

I wasnt sure if he was in much debt or if he was going to help move yours around a bit, but good on him for working the system

I'm too nervous to apply for another credit card, even though I could really do with a better rate, I've got 3 CC's already, and dont want a rejection on my credit file....

busygirl_2

thanks everyone, i think the first bit is addressing it and dealing with it.
i will do that posting with the full breakdwon cos need as much help as i can get.
and my lovely lovely bf is so good with money, he wants us to get a house next year/18months so i had better pull the finger out and do this..cant tell him about this - he only knows half the story and wants us to do a joint budget!!!!!!!! arggghhh
anyway better go and study, got an exam tommorow (oh i am such a martyr with my part time uni and my 2 jobs..oh woe is me..serves me right for being such a div!)
it will all be fine!!!I AM UP FOR THE CHALLENGE!
have a nice afternoon everyone, and thanks again!

too_much_debt

CAFCGirl wrote: »

I wasnt sure if he was in much debt or if he was going to help move yours around a bit, but good on him for working the system

I'm too nervous to apply for another credit card, even though I could really do with a better rate, I've got 3 CC's already, and dont want a rejection on my credit file....

He doesn't have too much of his own debt but is still having to pay for his mum's ones.

I have lots of credit cards, balances on 5 (6 now bf transferred £3,000 to his credit card) so that is 6 of my own and one of his.

I have:

Barclaycard (x 2 now) £7,000 + £3,300 both 6.9% until paid off

M&S &More £2,573 £7.9% until March 2010

Capital One £1,000 0% for another 2 or 3 months I think.

Nationwide £450 no special rate for this one not sure of APR

A&L £3,000 Reverting to 21.9% in January

Lloyds 0 (although might transfer the other £3,000 from A&L as they
have good balance transfer deals so when the latest one
expires in 6 months they might have a longer one

I wish I could get all the debt onto 2 cards and just have 2 payments a month instead of 6.

too_much_debt

busygirl wrote: »

thanks everyone, i think the first bit is addressing it and dealing with it.
i will do that posting with the full breakdwon cos need as much help as i can get.
and my lovely lovely bf is so good with money, he wants us to get a house next year/18months so i had better pull the finger out and do this..cant tell him about this - he only knows half the story and wants us to do a joint budget!!!!!!!! arggghhh
anyway better go and study, got an exam tommorow (oh i am such a martyr with my part time uni and my 2 jobs..oh woe is me..serves me right for being such a div!)
it will all be fine!!!I AM UP FOR THE CHALLENGE!
have a nice afternoon everyone, and thanks again!

Good luck with your exam. What University do you go to? My bf works at a University in West London, I used to work there too until I left to have my eldest daughter. I do miss having a job and a regular income but at least we don't have to pay for child care and I don't have to go out in the cold every morning (well not until Jan when eldest starts Reception).

CAFCGirl

Thats how I feel TMD, altogether we've got 4 cards, 2 loans and 1 car finance.

Its quite a queasy feeling when I write it out like that......
3 of them are currently on 0% (credit cards) but these will all run out at the same time in March, and they'll go up to about 14% on average. Current one Im desperately trying to pay off is currently at 19%, so its starting to really grate on my nerves that the balance doesnt seem to be going down!

poorandindenial

Hello and welcome busygirl (there seem to be several of us from this end of the country on this thread - I am in London too) :wave:

Hello everyone else too :wave:

I paid £600 towards my loan today. It isn't showing on my internet banking yet but I am all excited so I am going to update now. Am hopeful for £150 more this month but am having traumas with Orange having switched away from them so that might be eaten away temporarily - should get it back next month though)

Off to update my siggy

ETA: woo hoo, now over £2k

CAFCGirl

YAY welcome to the 2k club

After all my procrastinating, I thought I may as well give it a shot and I've been accepted for Barclaycard credit card with 0% for 14 months!

Then I can transfer my 19% balance, and thats going to save me loads in interest! I also get 60 days in which to make any transfers, so I may do that with some of the current 0% cards we've got before their 0% runs out. Dependant on the credit limit I get awarded. Pretty chuffed with how easy it was to be fair...