A journey of a 1000 miles must begin with single footstep....

Woowoo

Thanks Lemon Tree, you are 100% right, as long as it keeps going down were on the right track!

Lemon_Tree wrote: »

Well that's my two penneth's worth, and no you can't pay it to Lloyds !

:rotfl:

Lemon_Tree

if only i could take my own advice!

EB69

Lemon_Tree wrote: »

if only i could take my own advice!

I think sometimes we could all do with taking our own advice LT - but I find its a lot easier giving it than sticking to it!!!! :rotfl:

Happytogetdebtfree

lol eb that is def the thing for me lol x

Woowoo

Just got rejected for another balance transfer credit card, nobody wants me, sob!

Woowoo

I can transfer a balance to my Lloyds but only 0% for 6 months, not sure of the order they allocate payment and whether this would actually be helpful or not?

I have Barclaycard on 6.9% life of the balance (no balance transfer offers available to me) and my Lloyds overdraft, so not allowed to transfer this to a Lloyds card.

Any ideas anyone?

Happytogetdebtfree

okay how much intrest on barcalys if you draw off cash ?

EB69

tough choice there woowoo - knowing how much you hate Lloyds! I suppose there would a balance transfer fee to Lloyds too? is it worth it for six months? (unless of course you can clear the balance before then, otherwise you'll be stuck with them longer I guess). How much would you actually save in interest?

Happytogetdebtfree

It might sound crazy but depending on cash withdrawl charge it might be cheaper intrest that overdraft , so maybe transfer from barcalys the amount needed for overdraft to be withdrawn off card and use the 6 months 0% free ah it makes sense in my head whats the overdraft amount ??

Woowoo

I don't think for six months it's a viable option really