£1 loan payments, orangutans and learning it doesn't all happen overnight...

Kepp

I'm alright so long as I don't sit down for too long - if I do I tend to fall asleep! :rotfl:

I'm even happier now - have just triple hula hooped!

amber03

good luck with the hula hooping it's supposed to be good for your waist and a good laugh for anyone who is watching you.

Kepp

amber03 wrote: »

good luck with the hula hooping it's supposed to be good for your waist and a good laugh for anyone who is watching you.

I closed the curtains before embarking on a hula hooping session last night!

Did about 45 mins while on the phone to pass the time - I was impressed with my multi-tasking!

£1 to the o/d and £5 to the loan

**Kat**_2

I am prob the worlds worst hoola hooper, although, when we had our Wii (before selling pre lightbulb moment for food money) I was awesome at hoola hoop on Wii Fit LOL

Kepp

Have lost faith in the snowball calculator!

Just re-ran my figures and it says to snowball the 0% balance which I thought was a bit odd so I checked it the long way using my spreadsheet.

Although both result in a DFD of Jan 2013 if I do it the way that the snowball calculator suggests then it would cost me £391 more in interest! :eek:

So make sure you do double check what the calculator says as it's obviously not always right!

Woowoo

Well done on the payments Bec's.

I don't use the snowball calculator, I've always just done my own thing

Kepp

Think doing your own thing is definitely the way forward!

Keebs

beccie wrote: »

Have lost faith in the snowball calculator!

Just re-ran my figures and it says to snowball the 0% balance which I thought was a bit odd so I checked it the long way using my spreadsheet.

Although both result in a DFD of Jan 2013 if I do it the way that the snowball calculator suggests then it would cost me £391 more in interest! :eek:

So make sure you do double check what the calculator says as it's obviously not always right!

Maybe the calculation involved is just too tricky? Would be nice if there was a disclaimer to that effect on the site though, just as a heads up to those less savvy than yourself.

LittleMoog

beccie wrote: »

Have lost faith in the snowball calculator!

Just re-ran my figures and it says to snowball the 0% balance which I thought was a bit odd so I checked it the long way using my spreadsheet.

Although both result in a DFD of Jan 2013 if I do it the way that the snowball calculator suggests then it would cost me £391 more in interest! :eek:

So make sure you do double check what the calculator says as it's obviously not always right!

Hiya, when I set up our new snowball with 0% cards included I entered the promotional periods, but it still had me paying them off in order of standard APR, so I'm guessing your 0% card has a higher basic APR than the other accounts? I got around this by putting the standard APRs as 0% and will go back and alter them when the promotional period ends. It does mean that the DFD isn't that accurate, as the interest that we will be paying after 0% runs out isn't shown.

Kepp

My 0% does have a higher standard APR than the others. Just thought the calculator would take into account that the 0% will be cleared before that kicks in anyway.

Never mind, got my trusty spreadsheets!