time to stop messing around

elantan

i bet they went to my class and learned all those trix....well i got my visa bills through and the interest for this month is £24.30 including in that is the interest in my overdraft of £10 and the mortgage (i'm sure i figured out the daily amount somewhere) £221.20 boy that is a hell of alot of interest ... so payments for this month are £100 to visa (interest baring one) £75 to visa (non interest one) and £20 to overdraft ...mortgage as normal but paying an extra £250 ..oh and have now paid two payments for my mattress and one payment for my chairs for treatment room

so ever so slowly the debt is coming down

off to update totals now

boredofbeingathome

elantan wrote: »

i bet they went to my class and learned all those trix....well i got my visa bills through and the interest for this month is £24.30 including in that is the interest in my overdraft of £10 and the mortgage (i'm sure i figured out the daily amount somewhere) £221.20 boy that is a hell of alot of interest ... so payments for this month are £100 to visa (interest baring one) £75 to visa (non interest one) and £20 to overdraft ...mortgage as normal but paying an extra £250 ..oh and have now paid two payments for my mattress and one payment for my chairs for treatment room

so ever so slowly the debt is coming down

off to update totals now

That's the way to do it:D Is a good old amount:T The interest rates are the clincher and repsonsible for the majority of debt amounts..i am frightened to add up Mr.B's interest :eek:

elantan

you know the thing that annoyed me american express put up their interest to 19% !!!!!! is that all about ....greed pure and simple

boredofbeingathome

elantan wrote: »

you know the thing that annoyed me american express put up their interest to 19% !!!!!! is that all about ....greed pure and simple

They're all at it now as you say Greed pure and simple:mad: Not only that i think it is stupid in this economic climate as more folk will fold and they won't get their money. Makes you wonder how they manage to operate businesses

taxi73

Elantan ..you'll have a shock at some of the rates on MBNA and Capital one now...34.9%...nearly fell off my chair reading that on the credit card boards.

elantan

taxi73 wrote: »

Elantan ..you'll have a shock at some of the rates on MBNA and Capital one now...34.9%...nearly fell off my chair reading that on the credit card boards.

now that is scary biscuits ...our interest free one is capital one as well it runs out in august so plan on transferring in june/july ...gonna put the two of them on one hopefully

elantan

well todays battle is getting into glasgow and attending a lecture ...i know which end of glasgow the uni is at (its the same uni i got to but a different campus) but this is a huge uni...all for a 1 hour lecture ...funny thing is though i really enjoy these lectures the first one i went to i thought it was my first day at uni it was what i was expecting.....

money front well i am just going to use my card to buy a train ticket i have noticed if i use a £10 then i spend the rest of the change and that just wont do...

have spoken to hubby a bit about finances recently especially paying off the mortgage he is in agreement with the fact something needs to be done ..he doesnt want to stop living in order to pay off the mortgage any sooner though...and neither do i...so i will need to work on that bit..gonna do a financial review shortly a big yearly type one ...i noticed stuart on the mfw board suggests a few things to try all of which made sense to me so will try and implement them a bit ...i think the thing is that we are 18 years away from paying it off so if we managed to come up with a way to pay it off in say 15 years it still seems like a long way a way ...i think we need something closer to work towards some kinda incremental step ..any suggestions feel free to give me them

boredofbeingathome

Lots of ideas on that thread should stand you in good stead El.

elantan

i hope so bob...oh this uni paper is driving me to distraction ...sometimes i think it might be easier re-writting the whole thing ....

hypno06

Just catching up, El.....good luck with the annual financial audit! Definitely pass on any tips you pick up!