Gemmzie's DFW Diary

Gemmzie

I've been paid And my betfair transactions have finally cleared, so I now have £100 to pay off a credit card but can't decide which one :rotfl:

Money says HSBC Dad but I can't overpay on that one
Snowballer says HSBC Mum which I spose is the most sensible since it has the shortest 0% period left.
Or do I overpay none of them until the 0% runs out ( I have 5.05% on my savings)

ZTD

Gemmzie wrote:

Or do I overpay none of them until the 0% runs out ( I have 5.05% on my savings)

That would depend on how long the period is. If it's too short, then it isn't really worth messing about for about 6p interest...

Gemmzie

HSBC Mum ends in June, Egg in July

elantan

i would go for the mum one then...but that's me...how's things going?

Gemmzie

My finances pretty good, matched betting is helping a lot. Parent's finances, not so great but we are getting there.

I have a huge backlog of coursework for college though because I've been working all hours

Gemmzie

I've reinvested the £100 until next week, then I'll decide

Loads of overtime at work, love adding up what my wages will be next month

Gemmzie

I've pulled out of Matched Betting as I needed the money which I had invested in Betfair to shift my debts because I don't have time to do anything else for the Olympic Challenge.

So I've paid it all back to where it belonged and have £137.59 profit :T So that's going £100 to HSBC Mum and the rest to Egg.

I also got £63.06 from Quidco this month so that's gone to Egg. So it works out even AND it's £200 paid off this month :j :j

Woohoo. Need a new target now

Gemmzie

Good news followed by not so good news, last two car payments weren't put to the credit card by my dad so for now I've added that £100 back in

He owes it back to me but when I'll get it back is any body's guess

Gemmzie

Got another £53-odd from matched betting free bets :j That'll go to Egg as HSBC don't seem to appreciate my overpayments :rotfl:

I wish I didn't have to go to work today But hopefully it'll be busy and fly-by

Gemmzie

I've got my DFD down to Jan 2009 with min payments, woohoo :j