Thats another fine mess I got myself into

taxi73

That was very MSE RMC....love it when getting things for free...lol

Woowoo

What a bonus, your debt actually earning you some free money!

Very MSE of you Red x

REDMADCURLS

£2 each way on 4 horses = £8
Won 1st and 4th = £28
Profit = £20

Happy RMC and bought DH chinese for tea!

Herewego

Well done on the horses mine finished but not at the front :rotfl:
Thanks for the tip on cashing in cc points i have some on lloyds tsb card so rang the helpline to be told im not sure you will have to ring another number as they are not in now :mad: Also no comments on my claims thought i would ask so does that mean they havent arrived.

REDMADCURLS

In my experience claims are handled by a specific dept. but not sure about Lloyds as they may be the one cc company I am not acqainted with. I found my points on website.

Any sign of DH car yet? That money would be burning a hole in my account.

My delimna is now that DH has asked that we pay minimum on cc for 'a while' and use the mortgage money to sort business out...............no debt there is charging interest but DH is robbing Peter to pay Paul and therefore never getting 'ahead of the game' which in turn makes it hard to run efficiently.........but of course from my perspective he is not good with money and I don't want us to be 'interest only' for a while and just plough dead money into business and continue to pay massive interest to Ricardo and friends.

The other side of the arguement is that if I get business sorted and better financially managed then he can pay me more monthly and I can pay off cc and get back on track. Currently he is not paying enough regularly or enough...........had to give him most of VAT return, leaving me with £300, which is what he should have contributed this week anyway. This means I do not have the extra money I was anticipating! And so it goes on and on.

Herewego

Lloyds dont have anything on their website that i can find,and they dont accept email only give out 0845 numbers but no suprise there.
Cash for car is sitting in the savings account so tempted to borrow £90 to pay off additions but dont want to start borrowing as not sure where it would end. NO CAR :mad:
How much does DH want to borrow, could you give him an interest free loan or split the amount between business and cc that way you both win

REDMADCURLS

I cant give him a loan because I have nothing saved - well beyond the £100 for insurance.
Split the amounts - maybe that is an idea. I suppose I neeed to work out what he owes and how to best pay it.
I am not sure his business is making any money at the minute, which in this climate is ok, the aim it to breakeven I know.

REDMADCURLS

And I would pay Additions - what is £90 of that amount? Pennies and you could of course pay it back or you could deduct it from the money is has spent on fags!!!!!

Herewego

I know i could pay it back buttttttttttt thats what got me in this mess i suppose its the what if i dont, off for a bath and to ponder over it additions could be gone in a little while

REDMADCURLS

LOL

Enjoy!