Loved life a wee bit too much!

REDMADCURLS

yeah and you know what the garden and housework are still there waiting for you - they are good like that!

macgirl

You made the right choice - as a friend reminded me today, no ones lies on their deathbed wishing they'd done more cleaning!
Glad you had a good time x

BEAT_THE_DEBT

Hi all!!! I went to see the gym on our work grounds today! Its £25 per monh right by my office, it has showers so i could go lunch time, i got a discount so whats my excuse now???? :think:
Well i dont think i can commit so i have not joined but may go as and when! I cant afford £25 when i have a wii fit and walking is free so i may go the odd week when fancy takes me?? Thoughts guys????????:)
I lost a pound even after eating out on sat so i am so pleased with that!!:A.
MONEY) Under 4K ON VIRGIN AND A/L it looks so much better even if it is just by a couple of pounds!! Had lunch out today as i was out of office on a visit.
Had pay rise it works out as £21 per month and my wages go up in Aug by another £25 so that will be more to throw at debt!
I am not overpaying any debt at the moment i was going to get o/d down but o/d low interest only £8 per month for £2200! So i think its time to be strategic with debt up to now i have just been paying minimums on all (there are 9!) So i have discontinued cap one and virgin as i opted out of rate hikes so i think i should pick virgin apr awful ,interest awful, hardly paying any off balance! cap one £2k
Sorry for droaning if anyone still with me thanks and well done and any advice welcome.xx
BTD:):)

REDMADCURLS

Look at the snowball calculator and it will tell you which to pay first, or just if you know, the one with the highest interest is best - for me that was virgin

It doesn't appear to make sense to worry about o/d yet as you say with such low interest.

When you say 'discontinued', do you mean cancelled card and just paying back what you owe? Sorry tired and dumb tonight!

BEAT_THE_DEBT

Hi Red yes i had choice to opt out or pay higher rate rises and i just pay off balance now and once it is £0 the account closes.
Think i will target virgin and wop ricardo's botty with you!xx

REDMADCURLS

Sounds like a plan hun, get the barstewart where it hurts!

Herewego

I'm with you on the Virgin busting my balance has just dropped to under £4k would love to get it under £3.5k in May have got a bit obsessed in clearing this one now

BEAT_THE_DEBT

Thanks red and here we go.x Well i bought a load of bbq stuff today for up comig bh weekend and have just checked weather!!!!!! I dont think so!!!!. Rain! well what did i expect on a b hol? I think it had been so nicel latley i forgot about the rain part!!:rotfl:
Off to body shop party to buy new body parts lol!!!:rotfl:
BTD

macgirl

In case you are still considering the gym - I'd say don't. £25 a month is a lot if you end up not going after a couple of months - which let's face it, many of us do.

It's more MSE to use your Wii Fit and walk. Do you find that NC motivates you to exercise? There are good forums on there which set challenges too.

As for BH Sun - hen's teeth spring to mind :cool:

BEAT_THE_DEBT

Hi all busy day today!!! Had a great bargain i popped into asda ad found a storm trooper helmet that ds will love for christmas reduced from £40 to £18:j
People are starting to notice my weight loss now even though its only 9 pound:).
Bought meat in work from mate with contacts 10 sirloin good nice large pieces for £20! 9sorry if you are veggie).
Hope your all well!!xxx:):)