Newbie in need of advice

Chortle_2

Ceri wrote:

Debt free date per snowballing, is AUGUST 2010

not good. This will hopefully come down when I re mortgage next year to get a better deal & when my endowment policy matures - not till december 2009 though

But if you'd taken that consolidation loan, it'd have been 2016 - so it's still a massive improvement!

Ceri_2

ok, just went to transfer my balance from Egg to halifax so I can move it back to egg & get all of it on 0 % apr for 5 months & Halifax advised that they could give me an offer of 6.9% for life of balance but I would have to pay a 2% transfer fee, totalling £89 !!

I've NOT moved it. The offer runs out 25/03/06 but I was not sure if paying £89 to move it so I could move it back was any good.

I only thought after hanging up about asking if there was a transfer fee if I had the standard apr rate.

I dunno what to do now!!


Looking at egg & the interest on the amount I pay interest on, the interest this month is £20.36, over the 5 months I had wanted that on 0% is £101.80, is it worth moving it?

Ceri_2

oh I'm a pain I know I am, I just wanted to bump this back to the top of hte page in case no one is seeing it a few pages down.

aaarrrggghhh

Ceri wrote:

Much better in someone else's & that someone else is there *wink*

Of course it is, especially up in the North East! Er... *wink*

Ceri_2

adammccance wrote:

Of course it is, especially up in the North East! Er... *wink*

brrrrrrrrrrrrr

Ceri_2

I've just paid an extra £73.80 off my barclaycard. (my £68.80 tax rebate & £5.00 in coppers now in my bank)

Ok this is not the card with the highest apr, but it is the one just slightly over it's limit, which isn't actually my fault! I did 2 balance transfers to it & I gave one full amount & said "as much as my limit will allow" for the 2nd one.

But I still thought it best to get it below the limit (which the extra payment managed).