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Making a molehill out of the mountain!
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Happytogetdebtfree wrote: »Hi what checks do you mean??
Sorry I meant that I was checking my online accounts and there is a box that has my promotions on the MBNA one. When I looked the other day there was nothing there (I am a wuss and dont like phoning to ask). With the Barclaycard I was on the phone to them about something else and just asked and they said that there was nothing. Today I was going on line to make a payment and out of curiosity I clicked to see what the interest rate was on a balance transfer. Virgin have really hiked my interest so I was just thinking sod it I will transfer anyway and there was the offer. 0% til Jan with Barclaycard and a 2.9% fee, 0% til April 09 with MBNA and a 3% fee (or 4% if you money transfer) I know the fees arent the best but it still worked out cheaper than the interest I was paying on the Virgin account.
Hope that makes sense.Some days there aren't any trumpets, just lots of dragons. Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, I will try again tomorrow -- Mary Anne Radmacher0 -
Fingers crossed the pay and bonus comes through today.........xSuccessful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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Morning hypno .-), ahhh yes it makes sense now :-) thank you. Imd hope the bonus comes today :-)I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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God am I rough - out until very very early hours doing this :beer: and now suffering
Bonus was that I didn't spend one single penny and was very very inebriated :rotfl:
No wages today :eek: and cheque came out for holiday earlier than thought so horrendously overdrawn! Bank said pay money in now and we won't charge you, but they're probably lying and will - c'est la vie - too ill to care - dragged myself out of bed after less than 3 hours sleep to pay money in - going back to lie on the settee.
Drink is evil!1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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Oh dear you sound rough...0
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At least you had a free drink night :-) feel for you though :-)I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Drink is the Devil's food indeed. At least you didn't do what I did the other week and got horrendously drunk the night before DD's party :eek:
Then got up at silly o'clock to ice buns - I felt dreadful and vowed never again of course
Glad you had a good/cheap one. Hopefully the B will surface soon. Have a good weekend x0 -
Macgirl - why do we do these things to ourselves? I am gradually feeling better, trying to eat fruit and drink water but easier said than done. Friend just reminded me I had promised to have a run with her :eek: yeah right
Have been very good though, in an effort to make OH think that I am not a useless lump today, I have listed 5 things on ebay :j Now going to move and get the washing in.
had a quick finance check and no 0% offers but I will keep looking. Checked bank balance which shows me in credit but by too much - no idea what the Bank are doing, think they just put a random figure in the balance bit to confuse me - not hard today.
Off to find the washing line.....1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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Perhaps you've had a big payment come in.0
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LOL at Random sum bank puts in
A&L require you to be a Dr of Mathematics to understand their accounting system.
However in my cash £6.23 is un-withdrawable full stop. Roll on Tuesday to pay day!
And I feel your pain re alcohol - and that awful feeling of 'did I say something inappropriate/unkind/silly/not funny - is just crappers and I have had it since Friday!LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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