D.f.w Adventure

Brokeattheminute

Had a bit of a blowout last nt.Went out for a mates birthday and when i came home i was £32 down.That wouldnt be too bad if i had budgeted for it but i hadnt.Am going to start collecting £1 coins.We have an wedding rec to go to at the beginning of August and im sure ill be on a nt out before then so the money saved from my pound coins will come in handy.

Brokeattheminute

Transferred my Virgin cc over to a Tesco cc 0% for 14 months.Was offered a credit limit 0f 2125 but only wanted to transfer £800.Have 2 cc on bal transfer the other 2 are both balances of under £1000.Should i try to pay these 2 cards off first.Do you think its a good idea to concentrate paying cc without the 0%int on them first.Some advice from fellow webbers would be appreciated. Thanx a lot Rob.

GeorgeUK

Can you list your cards and APR's?

If you are paying interest on another card, would it be possible to BT another £1k to the Tesco card? How much would be left over and at what rate? Try to transfer the highest rate if possible.

The snowball calculator should tell you how much you will be saving by doing this.

Brokeattheminute

Hello George,i can only switch the 1 card and its min balance is 3%.its only for about £650 so ive decided to just pay the balance off over the next few mths.I'd have a 2.9% balance transfer fee so its not really worth it.The wifes card has roughly £900 on it but she failed to get a balance transfer on it before cos she only works 10 hrs per wk so because its in her name i wont get it.Thanks for the advice mate.Hope youre doing o.k

Brokeattheminute

Hello everybody,today was 1 of those bill paying days,paid 6mnths road tax which was £79.25 and my half of the car payment which was £120.My tesco cc came through the other day and the £800 has beeen transferred.Hope to get my balance under £3500 by the end of the month:j

Brokeattheminute

Hi there people,hope everythings going alright this fine Sunday nt!Have decided to set myself a new challenge and try to save £10 a day from May 1st.That makes 244 days left in 2009 so that will be my new target.It should leave me with about 1200 left by the end of the year.I will keep you posted and let you know how im getting on.I listed a few things on e-bay there and recieved £47.77 so thats a gd start.I would love it if fellow websters would be up for trying this challenge themselves and we could help support and motivate each other.

Brokeattheminute

Hi people
Update of money owed 4 June
Tesco:764.70
Virgin:369.69
Northern:598.39
Ulster:945.33
Ulster 849.99
Total amount owed:3528.10
Target for 30th June:3300.00:D

barrys-lass

Hi BATM, have you though about putting a signature on here with balances and what you have paid?

Brokeattheminute

Hello there mate,not sure how 2 do that sig thing u were talking about.Anyway,got some gd news,a woman rang 2day and asked me if i wanted 2 deliver bt phonebooks again.i delivered books last yr and earned about £200 for 3 days work so i said i was interested and she told me i had 2 collect the books on 2nd july which happens 2 be a time when ive booked a few days off work so it suits well.So happy days,by the end of july i should have about £200 to pay off my credit cards.

staffie1

Hi BATM - did you 'tart' that virgin credit card with 0% that ends this month?