Shifting a 24K debt in a year?????

Woowoo

Two cleaning jobs tonight, bet your looking forward to that lol! What time will you finish?

Ceniza

beccie wrote: »

How much would the interest be if they charged it on the £800 Adam?

£20 maybe, I don't know.

Kepp

I'm thinking about leaving at 3 from work then I'll be home by 8 so not too bad. It's annoying that I've got to do about an hour and a half walking in between stuff as that really adds to the time, actual cleaning is only 3 and a half hours!

Yep, think leaving early is definitely the best bet cause I've got stuff I need to catch up on at home cause I went to a friend's for dinner last night so did nothing, which was lovely!

Ceniza

Worked it out.

Closing balance was £744.81
Interest is 1.941 per month

Should be £14.45 interest to be paid on the 18th if I'm right in my assumption that I'm charged interest on the closing balance of the previous statement. I don't know, if it's a daily calculation then it should be smaller as I cleared the £704.81 on the 28th September and £40 on the 4th October.

Kepp

Just been staring at my spreadsheets - again!

Show's that maybe looking at them too much is maybe not a good thing as you stop seeing what you're looking at (I was missing one important mistake) but then again if you keep looking, you end up noticing it (as I just have!)

I've been calculating my budget and payments wrong as I budgeted £50 a month to pay my Mum back when this doesn't actually come out my budget as I pay her the £50 a month by working for her if that makes sense?

Anyhoo, that means an adjusted spreadsheet and than means my DFD is now Feb 2013!!! :T

Kepp

They told me on the phone that it was calculated daily, which is why they couldn't give me a final balance at the time as they would end up with a couple of extra days before the payment was applied.

No other CC company seems to have this problem and does seem a cheek when the reason there's a couple of extra days is because they take so long to apply the payment in the first place...but then again, were we thinking the banks were fair?! :rotfl:

Kepp

Just taken the puppy from my office and a couple of other dogs from our corridor for a walk - wow, are puppies hard work!

It nearly tripped me up several times and then kept trying to tread in the poo I was trying to pick up, lovely!

Woowoo

Well done on reducing your debt free date again

Do you get paid to walk the dogs? Why are they at the office?

Kepp

Wish I had got paid!

Just did it for a break from the office while the dog owners were in a meeting.

I know it sounds weird for most workplaces, but its quite normal for dogs to come into work where I am. I used to bring mine in a lot. Think there are over 40 dogs in my building at last count!

Woowoo

That is so lush, if you get stressed can you just go and have a cuddle and a cry lol!