A Payment a Day Part 2!

mooomin

jo41 wrote: »

mmmmmmm bacon sounds good...I'll throw in the eggs!

Nom nom nom. I'm up for that meal

Just took sausages out of the freezer myself - sausage mash and peas for dinner at Fresian Towers tonight. Yummy!

paybacktime2008

gilly1964 wrote: »

This is just my opinion and what I would try to do...........

As 0% rates are now few and far between and not always for that long
I would ask Barclaycard about a life of balance rate - usually comes in around 6.9% and haggle for the fee to not be charged. Transfer MBNA to this and once gone close the account or at least try to.........

In my experience they will offer you a great rate for some more time and no fees - sound grateful and transfer OD to here and then reduce the OD to an emergency amount at Halifax.

If they don't make any offers.....
I would not add to the Halfiax card to clear the OD as you will probably find the OD is cheaper than the LOB rate. I would concentrate on a reduction plan - £50 to £100 per month


Or if you think your rating is up to it - apply for an Egg card - 0% for 12 months or so

I hope this helps and as I said only my thoughts - the final decision must be yours.

Gilly

Thanks. I will ring barclays up and see what they can offer. Might also try the egg card. My halifax OD is at a shocking 18.8 apr so that has to be cleared asap. I did have it ceared and just used it to clear the halifax card as i wanted a 0 balance before i balance transferred

mooomin

paybacktime2008 wrote: »

Thanks. I will ring barclays up and see what they can offer. Might also try the egg card. My halifax OD is at a shocking 18.8 apr so that has to be cleared asap. I did have it ceared and just used it to clear the halifax card as i wanted a 0 balance before i balance transferred

I think that some overdrafts with Halifax are cheaper than others - I get a staff rate with them so mine isn't too bad anyway, but it's worth asking the staff what the best rate would be. It's been years since I worked in a branch so my product knowledge is out of date!

If you can get 0% on a card though it might be worth taking the hit on the BT fee to clear it.

There is something comforting about seeing no red figure on your online banking too :rotfl:

pointypenguin

PAD £1 for me today

SarahNeedle1872

:j Congrats on killing the Ulster Card Weebag, thats another load of your mind

£1.18 PAD for me today... only a small one, but it all helps.... I am now wishing the next two weeks away, so it can be pay day again and I can afford some bigger payments

Also need to look at BTing OHs two cards..... Egg has some of the balance at 29.9%+ because he took some cash out on it :mad: and the other card is Vanquis so is probably about 39.9%.... I am hoping he hasn't taken cash out on there... he says not . We shall see when the statement comes in!

njk0327

Another £1.18 to egg for me today

katie2407

at last no wind or rain here wonder how long it will last though

going away to do the weekly shopping at asda made myself a list and plan to only buy what is on it and no more.

plans this week it to also talk to barclay to see if they will give me a life of balance rate as this card is cleared- if they do then transfer lloyds balance and some of virgin, the transfer the rest of virgin to llyods so saving lots of interest

PAD - £10 to cc

Fag_ash_lil

jo41 wrote: »

I'll make cake for everyone!

Ooooooooooooh i have a very sweet tooth .....
I have found my own " plates " ....
Could you just fill them both please ? :rotfl: .....


There's only 2 of them 'cos i'm on a diet !

terri x

jo41

Here you go Terri. Syrup or choccy?

jo41

And this is for the other plate!