It will be GONE !!!

BaillieRiley

Yip I think we should rename HWG as the MSE Fairy! :A

I have every faith in you hun!

BRx

Herewego

Wish I was as positive as you lot, I have paid the rest of my xmas pot into the bank today and bought most of the bits i needed to finish my family probably only need to spend about £10 more. I thought it would top up the amount i was short this month.
I will worry how to pay for DS and DH xmas presents nearer the time.
On Friday I will be £465 short on Lloyds cc I have put £100 into savings just in case and will transfer this once I know how we are coping through the month, if quidco pays out and all my other bits clear that will be another £180. I also think I can sqeeze about £150 out of the bank now maybe a little more. On top of this I will have ebay sales hopefully, so it can be done if the next few days with my parents aren't too expensive.

Woowoo

I can't wait for you to clear this one HWG, I know your going to do a balance transfer but it still feels like goodbye Lloyds as this time it's on your terms.

Herewego

I know it cant come soon enough, although I have another dreaded Lloyds card but because you cant BT the same bank I am going to move my HSBC card as that has over £200 interest on it a month.

Herewego

Ebay bids up to £30 and 2 people have asked for BIN prices if they accept that will be £70- show me the money

Woowoo

That will be a great saving on the HSBC card then. Fingers crossed the BIN's accept and the money comes rolling in x

BaillieRiley

Will be so excited for you when you clear and can then do the balance transfer! There's no stopping you!

You must have loads of nice stuff to ebay - you make a mint!

:wave: Goodbye HSBC and £200 a month intrest

BRx

dottyanne

Hi just wanted to pop on and say hi I've been a member on here for a few years now and have really started debt busting over the last 7 months since OH got a decent paying job but I think your doing great ! I've subscribed to your thread too

Herewego

Thanks for popping in, not going to be around much for a few days have the folks visiting.
Need a little help, if I clear my Lloyds card next month before the payment due date am i right in thinking I will pay interest on the interest added from the month before until I clear the balance again. Should I wait and make sure I clear any outstanding interest before doing the BT ?
So far I have spent £40 tonight taking the folks out for dinner it was dad's birthday so thought I should pay.

taxi73

you are right in your assumptions wait until you get a nil statement with nil payment due