My Debt-Free-Wannabe Diary

Verbatim

Well done with quidco. When will you hear about your M&S card?

DontDoDebtKids

Verbatim wrote:

Well done with quidco. When will you hear about your M&S card?

I signed and returned the agreement and direct debit mandate earlier in the week, but the envelope was 2nd class so I hope to get hold of the card sometime next week!

Verbatim

Great! I'm hoping to finalize my Stroud and Swindon card then too. Got to BT a chunk over before 23rd.

DontDoDebtKids

Listed a few more items on ebay that didn't sell last time. Hopefully I'll have better luck this time - only just got all the money for the items that sold in the last batch!

Have a DFW weekend everyone! I plan to stay in this weekend and get on with housework and filing....exciting!!!

DontDoDebtKids

Spending Diary

Under arm spray (couldn't take mine on plane): £2.38
Refundable business expenses: £186.24 (not counted)
Car Park: £1
New Wallet: £17.50
Lunches at work: £2.30
Postage (ebay): £0.84 (not counted)
Petrol: £37.45
New car aerial: £5.99

Total: £66.62

Not too bad this week - bought a few "want" not "need" items but not a massive overspend so keeping on ploddin'...

DontDoDebtKids

Got my statement through from Lloyds with updated total (with interest):

Debt Totals

Egg: £6562.18
Capital One: £1901.88
Lloyds: £1919.06
Amex: £5862.22

Total: £16,245.34

DontDoDebtKids

I really had to vent my anger on here about these...

Recently, Morgan Stanley, Captial One and Lloyds TSB have taken to sending me, regularly, unsolicited credit card cheques through the post. Pretty much every month.

This looks to me like blatent profiteering from those who don't carefully read the terms & conditions of these horrible horrible things!

Admittedly, the MS and Lloyds ones are 0% cheques BUT they charge you a fee of 2.5% and the 0% is only for 6 months.

The Capital One cheques are the worst, charged at something like 22% I think!!!

The shredder thinks they are tasty though.

ZTD

DontDoDebtKids wrote:

I really had to vent my anger on here about these...

These annoy the hell out of me too. So what happens if they get intercepted in the post then...?

DontDoDebtKids

Still no sign of M&S card. Grrrrr. I really want to sort any balance transfers quite soon and I have money burning a hole in my current account, ready to do some debt clearing.

Current plan

Transfer maximum possible balance to M&S card, hopefully clearing the £1901.88 on Capital One and preferably creating a positive balance that I will be refunded by Capital One when I close the card.

The refunded balance then gets paid to the Egg loan, transferring a 7.9% debt to a 3.9% debt. Check those moves out!

Then I can also transfer the cash in my current account to the Egg loan instead of using it to clear the last of the 0% on Capital One.

Result: Capital One closed + some of Egg 7.9% debt transferred to M&S 3.9% debt + big dent made in Egg debt.

Except that I haven't received the card yet!!!

Mrs_Sparkle

Hi DDDK just want to wish you luck in your BTs... I'm currently playing the same game myself! Marbles are pretty good via Quidco if you haven't already done that one.

Good luck! C