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

Woowoo

As the interest drops, the amount to find will drop as well and I will then reduce this on my signature (as reduced interest doesn't count as random extra payments) - it all makes perfect sense in my head any way!

Woowoo

OMG a friend of mine has just offered to see if I can move my Lloyds balance to her Virgin card as it's clear at the moment!!!

She is going to ring and see if she can get a 0% and what the transfer rate is.

Fingers crossed she can get a deal for me everybody!

LittleMoog

oh, that would be brilliant! What % is it on at the moment? Fingers crossed :j

Woowoo

It's on 16.8%, should save me a couple of £100 at the least.

I would carry on clearing this if it moves to free the card up for her again, as she is also debt busting.

The only downside is the transfer fee would probably mean I won't go under £10k.

Will just have to wait and see what happens now!

Kepp

Fingers crossed x

How much would a 0% deal save you?

Kepp

Sorry, you already said, should read properly first!

jtr2803

Wow, thats a really kind offer of her, she must be a very close friend!

I have my fingers and legs and toes crossed for you x

Woowoo

She is a very good friend, she is the one I brought a house with (she brought me out when her OH moved in), my name is still on the deeds at the moment though - so we have a hell of a lot of trust in each other!

Happytogetdebtfree

That is fantastic news and im hoping that it works out woo, yay forget what it does to siggy intially but after you start paying everymonth will be a debt reduction not minus intrest and that in its self is great to give you the boost you need look at me and my bro his loan has really set my stall out i can make some changes that will really help me on my dfw journey okay must get ready for work ive done after tonight yaaaaaaaaaaaaaaay xxx

Herewego

Great news on the overpayment and love the new signature. Any news on the 0% card transfer