A Payment a Day -Part Seven!

angelicmary85

Evening Padders! :j

After much deliberation today and the very non no spend day that I've had (why do people have to give birth or have birthday's before payday?!) I can only do little pads again until next week...

My pad for today is £4.00 please Clearing!

Hope you've all had a fab day! x

tiff

I would like to join this thread to clear our final amount of cc debt. We now owe £949.57 on the Virgin card at 0%.

Today I sent £7.52made up of a £5 Halifax Reward and £2.52 interest to Virgin, making total o/s £942.05.

Expecting topcashback and Quidco payouts in the next few days, not sure I can make a payment each day though.

Hopeful1

Had a busy few days so haven't caught up on thread properly yet.

I've updated the 1st page with February's total - how fab was that? Everyone's done really well :T

My PaD's are:

£200 HFC
£50 sol's costs
£50 Egg
£5 Barclays O/D
£5 Barclays loan
£4 Cap 1

TOTAL PaD £314

KPR11

angelicmary85 wrote: »

That seems quite middle of the road so isn't too bad! The best one I have is 6.9% and the 'worst' is 14.9% so your 15.9% seems reasonable compared to some of the apr's we've heard about!!

Thanks Angelic,

Just found out that it is only 15.9% if I take up BT but if don't then it is only 7.8%:j:grin:

angelicmary85

KPR11 wrote: »

Thanks Angelic,

Just found out that it is only 15.9% if I take up BT but if don't then it is only 7.8%:j:grin:

Are you sure that's not the other way around?!! I always thought the lower rate they offered was the BT rate...you learn something new everyday!!

KPR11

angelicmary85 wrote: »

Are you sure that's not the other way around?!! I always thought the lower rate they offered was the BT rate...you learn something new everyday!!

I just double checked, it's 15.9% if I opt for the 0% balance transfer for 15 months or 7.8% if I go for platinum simplicity with a low rate I have not got any balance to transfer so i guess low rate it is for me

KPR11

I'm lovin ittttttttttttt! :j
Sorry I know a bit childish but just very excited! Thought I wouldn't get a credit card let alone such a good one!

angelicmary85

KPR11 wrote: »

I just double checked, it's 15.9% if I opt for the 0% balance transfer for 15 months or 7.8% if I go for platinum simplicity with a low rate I have not got any balance to transfer so i guess low rate it is for me

Awesome!! Well done! :T

JennyJewell

Aww thanx for the lovely welcome angelicmary85
Well I have been putting away 2p's and 1p's, 5p's, 10p's and 20p's in little empty pasta cartons since Saturday and have just counted and have saved 8 pound 17 pence in just 4 days so not bad
Have to go get my Betterware books ready - can I add earnings from that on here please?
Jenny

SarahNeedle1872

Evening all, finally caught up with myself again - phew!!

A PAD or two and a boob for me today

I PADed £425.19 to my Sainsburys card, clearing it totally:j plus £5.77 to smEgg.... then the £84.09 minimum payment went out for the Sains card

A total PAD of £515.05, and a credit on my credit card :rotfl:

Hoping for a BT deal when its all cleared, as my 0% ends on the Virgin card next month :eek:

Sx