A Payment A Day - Part 9

psychopathbabble

ok i spent too much again in glasgow so im still not getting anywhere with the cc. grrr. but it was fun.

15 to the cc for me today please. have decided im going to hit the smaller debts first as ill feel more motivated than trying to pay off the cc i keep using... whereas if it stays maxed out,i have no choice!

LondonAndy

katie2407 wrote: »

at least it is paid off, 1 less to worry about.

:j:T:j Well Done on the Card Clearing !! :j:T:j

vasseur

£1.66 to Virgin CC as always please Andy

psychopathbabble

psychopathbabble wrote: »

Has anyone used wepromiseto.co.uk cashback site? I'm waiting for over £80 of cashback to clear so I can withdraw it, it's taking forever!!!


Also, I have messed up.... I opened a scottish bond account as it had £50 cashback, and on the spiel it said something about savings after 12 months, I've paid £75 already (3 x £25) and I have just found out I have to keep it open for at least 2 years to get any (if not all) of my money back. Should I just close the account and write off the 75 quid so I have the £25 towards my debt instead, or keep it open and close it as soon as I can without making a loss?

Any thoughts anyone? I don't know if it's best to just write off the £75 or keep going for the minimum 2 years..... I just can't decide!!!!

mooomin

psychopathbabble wrote: »

Any thoughts anyone? I don't know if it's best to just write off the £75 or keep going for the minimum 2 years..... I just can't decide!!!!

I would keep going and use the money to pay off debts when it arrives. Think of it as an emergency fund?

psychopathbabble

flying_fresian wrote: »

I would keep going and use the money to pay off debts when it arrives. Think of it as an emergency fund?

I guess so... I can't bear to write off £75 but wasn't sure if it was the best thing. I'm seriously hoping to be out of debt by the time I can withdraw any money so I could think of it as a 'celebrating my debt-free splurge' fund!

clearing_out_my_pockets

flying_fresian wrote: »

I would keep going and use the money to pay off debts when it arrives. Think of it as an emergency fund?

That's what I'd do, too.

£1.07 extra PaD today

Greenbynature

angelicmary85 wrote: »

Can you spare some change for my car repair fund aswell?

Found both blue and green paint on the back door (of my aluminium coloured car) with a fresh scratch ...do people not have any respect for other people's stuff!!! :mad: :mad: :mad:

Unfortunately I don't think they do! :mad: You should see the dents and scratches on my car!!! Bloody annoying!

Greenbynature

Afternoon all

Well DIL had her scan and although they didn't see peanut, they saw the sac?? She has to go for another scan in 2 weeks, when hopefully, they'll see him

Pad today is £10 cap1 and £6 jar

£16

Silaqui

angelicmary85 wrote: »

Sky cut your package in half straightaway if you tell them you can't afford it anymore (well, so I was told - I don't have t.v anymore )

Maybe you should tell them you want to switch and see what they say! :cool:

FWIW I used to work in a call centre and whenever someone asked to speak to a manager, we used to get the person sitting beside us to take the call - a majority of the time, customers only had to hear a different voice saying the same thing to make them believe it

We used to do that too... Also if you get sales calls from most companies, never go for the first price they offer. They can always 'speak to the manager' and then go lower, add extra stuff, etc (it's called a 'drop close') to get you to say yes, so if it's something you actually want then hold out until they are about to put the phone down on you. The policy at our place was to do 3 drops before giving up, so try it out! I must say, the training sessions we had were a real eye opener!

katie2407 wrote: »

oh no I have made a mistake have paid to much to a cc and now I am in credit. Will need to get OH to phone tonight as it his.
at least it is paid off, 1 less to worry about.

PD £40 to robway

need to go and update signature, DFD now down

Well done! You can put the extra to another card

psychopathbabble wrote: »

I guess so... I can't bear to write off £75 but wasn't sure if it was the best thing. I'm seriously hoping to be out of debt by the time I can withdraw any money so I could think of it as a 'celebrating my debt-free splurge' fund!

No don't write it off! That £75 is a nice shopping spree in 2 years time when you least expect it

Sorry Andy no pads till Thursday, I need payday to hurry up!!

xx