Didn't I do well????????

Peachy_2

thanks ms london - its london living isn't it ??? I think I will have to accept that I have to give up smoking as its bad for me and my finances, am planning a whole month of detox - financial and alcoholic for Jan (my b day's early Feb, so thats the target to stop partying and save cash by) plus i THINK I will be able to get on the the 0% cards as my credit records cleaning up well - just HSBC to tackle now! Well done you cleared all yours - did you go and party like mad when you were debt free?? I am plannning a holiday somewhere gorgeous !

Peachy_2

Katgoddess wrote:

Is the Dell Finance like a store card where you can pay off as much as you can each month? Or is it a fixed amount loan that is direct debited over a fixed number of months? If it's a loan, the interest over the period has already been taken into account when they decided how much you pay them each month so the amount you owe won't get any worse. Therefore if you wanted to concentrate on other debt first you can. Although at 29.9% if you can pay it off early do so. I hope someone will correct me if I have got this wrong.

Hi ya, its a PC loan and you're right!!! although I checked and there isn't a penalty - yah!!- they did work out the interest in advance and it would be around £750 in total but they said that if I pay it off before Jan 5 they will "sell" me it for £527. I worked out that means I have only paid about £20 in interest for the year so all in all that's good....!! And obviously saved over £200!

You're also right about the staying in more - I aim to detox financially and socially in Jan and should save heaps !! Not to mention feel less hungover - !! :xmassign:

rchddap1

You don't need to detox socially completely. Just invite people round for a few drinks, a DVD, a meal, or to just scoff loads of chocs. Would still be cheaper than £50 a week.

Kevicho

i live in the middle of nowhere so taxis are expensive for me (15 quid sometimes) so have stopped going out the last 2 months

Am aiming to stop in over christmas, unfortunately most of my friends live miles away so looks like it will be dvds and the internet for me lol

ms_london

Peachy wrote:

thanks ms london - its london living isn't it ??? I think I will have to accept that I have to give up smoking as its bad for me and my finances, am planning a whole month of detox - financial and alcoholic for Jan (my b day's early Feb, so thats the target to stop partying and save cash by) plus i THINK I will be able to get on the the 0% cards as my credit records cleaning up well - just HSBC to tackle now! Well done you cleared all yours - did you go and party like mad when you were debt free?? I am plannning a holiday somewhere gorgeous !

To be honest, my spending habits havent changed since I've become debt free, my first payday at the middle of November was the first without debt repayments, and ive got just under a £1,000 left (which I am annoyed at to be honest because I wanted to save a round £1,000 Grrrrr!!), and I havent treated myself to anything as such, but because I want to go travelling I just see it as every extra ££ I spend that I dont need to, is keeping me further away from going.

I had to buy lunch today and that almost killed me - ive gone from one extreme to the other :0)