Floozie's Lightbulb Diary

mooomin

Intergalactic_Floozie wrote: »

....slimming magazines. I kind of hope that reading them will make me slim (and I know breakfast butties certainly wont!!)

Aah, that made me laugh! :rotfl::rotfl:

I have found that I have dropped a couple of pounds since starting my spending diary and the NSD challenges as I don't want to ruin a NSD for the sake of a bar of 50p chocolate!

That being said, it's coming up to Christmas and there will be chocolate everywhere, maybe I'll get some in my stocking this year

LittleEmms

Hey intergalactic...

Sounds like you're getting there! Definitely have to look into the Magazine thing - maybe you can share with people at work? If you have a large office, what about setting up a magazine club?? See if anyone's interested? After all, once you've read them - they just get recycled??

Well done on the night out - you did fab that evening!!!

Understand contributing to the Urn - i'm not human unless I've had my tea

Verbatim

I still think it's a cheek for an employer to expect the staff to provide the tea urn. Cheapskates!

Intergalactic_Floozie

Day 6

Another two bills paid today.

irst Additions statement came today. I owe £175.18 and had budgeted £60 per month and they have asked for £58.40 so will pay that and transfer the other £1.40 to the MBNA payment.

Then my HSBC credit card payment of £5 was taken. I can't understand why they have only taken £5 when the balance is nearly £1000, but the other £25 that I had budgeted will also go towards the MBNA credit card payment.

So, grand total for MBNA on top of the minimum payment so far is £32.08

Spends today:
£1.50 - breakfast club for youngest DS.
£1.00 towards bonus ball (that I haven't won AGAIN)

I've also got my first pinecone survey since I signed up with them again.

mooomin

Intergalactic_Floozie wrote: »

Then my HSBC credit card payment of £5 was taken. I can't understand why they have only taken £5 when the balance is nearly £1000, but the other £25 that I had budgeted will also go towards the MBNA credit card payment.

You should maybe check with HSBC first as it might be that you have had a fixed direct debit. Most credit cards would ask for a minimum payment of 2% - 5% or £5 depending on what amount was higher, so you should be paying at least £20 by my workings (Bear in mind though, if I was better at maths I probably wouldn't need this board:rotfl:)

You don't want to have underpaid and find out that you have a charge.

Well done on your payments for today :j:T

Intergalactic_Floozie

Day 7

£1.30 - Cheese on toast for breakfast (now I can see where all my money is going!).
£9.90 - Xmas present for eldest DS for PSP (PES 08 from Argos - reserved it through Quidco so got £1 cashback)

£10.30

I had a letter in the post from Post Office credit card! I applied for one a few days ago but they couldn't give me a decision at that time, but a PIN number has come in the post for me! (no card yet though so I don't know the credit limit and as I applied for it in my own name, I guess the credit limit might not be high enough to make much of an in-road into the MBNA card so I can't make any decisions about what to do with it). I also went through Quidco, it wasnt showing as any money for a credit card but I thought I would try it anyway...it's tracked at Zero...it's 0% for 12 months so must be one of the only few left out there. I'll be back for advice when I know my credit limit.

miemie

Hi IF
Your doing really well.

Excellent news about the Post Office card hopefully you will be able to shift quite a bit of MBNA to it.

Take care miemie

natsplatnat

Morning Floozie - Just a quick note to say many congrats on the new PO card - lets hope the credit limit is good!!! Do you know what % they charge for balance transfers?

Have a great day!!!

Intergalactic_Floozie

Right - Post Office card came today.

Here are the details:

Credit Limit £2100
Introductory rate: Balance Transfers @ 0% for 12 months.
Balance Transfer fee = 2.98%
Standard APR = 18.32% for purchases/balance transfers.
Minimum payment = 2.5% of balance.

So, just to recap: Credit Cards

£954 to HSBC @ 14.9%
£2700 (ish) to Tesco @ ? (statement says 1.313% per month, but x 12 = 15.7%, which seems a funny amount)
£2500 (ish) to Tesco - probably as above.
£9700 (ish) to MBNA - no idea what the interest rate it, and I am not sure when the statement is due in.

I'm wondering whether I am better putting it towards the lowest Tesco card even though the interest is lower than MBNA?

natsplatnat

Hi Floozie - good news on the PO card.

Do you know what you are paying toward each card each month and can the PO tell you a rough idea of your repayments when you have BT onto it?

Also - when I recently BT onto my Abbey card, I could only transfer up to 90% (or it may have been) 95% of my limit. If this applies to you, you may only be able to transfer up to (approx of course) £1995.