The start of my debt free challenge.

Choc-addict

Morning!

Lots to think about with your SOA, it's great getting advice isn't it!

Good luck with your to-do-list today. Make sure you enjoy a bit of the nice weather though! Fab news on the money back for flights, you'll be well on your way to debt free land before you know it

devonmaid77

Just some more quick news...

I opened an ISA yesterday, linked to my bank account. Went online to check the old finances and it's there already! Yipeee! So have just paid £10 in! Not much i know - but it's a start.

And this is my savings pot that WILL NOT BE TOUCHED! It is sacred! So off to update my signature again, then on to the jobs and the rest of the day.

devonmaid77

Last musings for today...

My list of jobs were:

1. Find out CC interest rates. Done - and to my shock CC2's interest rate is a whopping 30.34%!!! Eeek - will be paying this one off as soon as poss. CC1 is a mere 2.5292% so this can be overpaid a little each month but will still be noticeable difference being made. Will be chopping up CC2 this afternoon too. Will keep CC1 for emergencies for now. But will prob look to get 0% emergency card once they are both fully paid off.
2. Clean the house. Done - apart from hoovering so that's next.
3. Probably relax and have a cuppa in the garden as the weather is, yet again, glorious! (At last!) Done a little bit - but I think I have more work to do there this afternoon! Hee hee!
4. Do some Onepoll surveys. Done - but there weren't any so will check back later
5. Sort through all the old bills and other paperwork. Get anything now not needed shredded and anything else filed. Am usually very good at this but a mountain of paper seems to have built around me lately! Yuck - am doing at the mo. Still yuck yuck yuck!
6. Did I add to have a relax in the sunshine? Again - a LOT more effort needs to be put into this incredibly hard Saturday afternoon job.

May also need to watch the Grand National as have had a very naughty little flutter this morning! Ooops!

LeeSouthEast

Is that 2.5% APR, or 2.5% a month? (This is a common trick...)

If it's MONTHLY the APR is still 30.5% or so!

devonmaid77

Ouch, just checked and yes it is monthly! Will be targeting them both then! Will start investigating 0% cards asap and balance transfer when the mortgage is finally gone through!

Thanks for the heads up leesoutheast! Much appreciated!

LeeSouthEast

Not at all. Good luck with your journey!

(See, thinking out loud really can save you money!!)

Choc-addict

Any luck with your flutter?! Naughty naughty

Seems you've got lots done, it's really good keeping a diary - very addictive!! Great advice too, scary how much we pay in interest etc over the years that have gone by :eek:

devonmaid77

Hi choc! Well I had Big Fella Thanks 50p each way so made a whopping 1.25!!!! Sadly this was offset by my other bets so a loss of 3.75! Oh well! It's the one flutter I have a year! Seriously won't be looking at match betting as a fundraiser!

It's amazing how quickly you become aware of interst rates once you've decided to get rid of the debt! If only I'd been concerned earlier! Never mind!

I'll be back tomorrow with more twaddle!

mum2one

devonmaid77 wrote: »

Just some more quick news...

I opened an ISA yesterday, linked to my bank account. Went online to check the old finances and it's there already! Yipeee! So have just paid £10 in! Not much i know - but it's a start.

And this is my savings pot that WILL NOT BE TOUCHED! It is sacred! So off to update my signature again, then on to the jobs and the rest of the day.

Your going great guns, and gd thought re putting the council tax money up, and the isa,

At least when ur in ur own house you wont be tied into thier tariffs, hope u managed to get a sit down in the sun.

Thats not bad priced for the council tax,

I'm terrrible before I buy anything,its staright to cash-backs, top up the mobile at Boots coz its 4p back in the £1.00, quite handy we've all onpay +go, so comes in very handy at xmas....... esp with my dd, who loves the botantics range..... x

devonmaid77

Hello All,

Well we've had a nice cheap day today. Have been for a nice walk around a National Trust site (we're members) and had a lovely picnic. Very MSE!

Not worried about money today which has been nice too. Get paid this week so I'm really looking forward to making some payments.

We found some more spare change this morning so we will be able to pay in some of the money I sorted through on Friday this week too. The credit cards are getting smaller!

Hope everyone has had a nice weekend and enjoyed the lovely weather. Off to do some sofa surfing now. Be back in the week to update.