Immoral_angel's Debt Diary

postingalwaysposting

fantastic news sarah :j wont be long now... what are you aiming for next? egg or barclays? i would guess barclays because isnt it adding interest whereas egg is 0%?

catchooky

Wow IA, you're doing so well! I have been struggling a bit with the debt as although I have had my LB moment, Ive been paying off loads on my cards each week and then spending on them! I just wish I wasn't such an emotional spender and instead was as restrained as you!!!

immoral_angeluk

cprtknight4 wrote: »

Hi

Was wondering if you have included paypal money in with ur calculations?

sorry if being nosey.

bec x

Yes it is included because it cleared yesterday :T Was strange of it to clear on a saturday but oh well

immoral_angeluk

postingalwaysposting wrote: »

fantastic news sarah :j wont be long now... what are you aiming for next? egg or barclays? i would guess barclays because isnt it adding interest whereas egg is 0%?

After Citi it'll be barclays which is 19.9% then egg which is 0% til June 08, and then the car.... :eek: :eek: :eek:

Gemmzie

Thanks for the Egg Money reminder, I signed up around the same time as you so should have my £10 there or very soon, off to check now

Loving Ash on the drums, she's so sweet

Scaredandindebt

Hey IA,

i don't post very much at all (a bit shy..) - I get my inspiration from reading others diaries.

Yours is one of the diaries I read for inspiration and it is just that - truely. It's so amazing to see such committment to getting your debts down and you are so open to sharing your journey with others that it seriously inspires them to do the same.... I personally would like to thank you for sharing - it's helped me in many ways: I'm getting my debts down, concentrating on the future (instead of dwelling on the bad stuff - I too lost my mum young), having fun (getting back into playing violin again), doing lots of charity work for the Samaritans and taking all the advice I can get from logging onto this site and reading other people's journeys to lighten the load of my own journey. So - thank you!

You are lucky to have such a great supportive husband (and fellow MSE'ers) and beautiful bright alert daughters around you, but as I say you get what you deserve in life and you certainly deserve such an amazing family and support from others! I hope one day I can be as fantastic a mum as you are.....

I was also (like others here) truely moved by the selfless act of Toto. My usual cynical self is slowly being replaced by someone who is gradually believing in the human race again, and it's a lot to do with places like this.

Hope this isn't a weird message, just wanted to let you all know how you all make me feel - it's a good thing in my own recovery journey that's for sure.....

Oh and IA - and don't forget to take the £10 Egg money off your total debt too (I don't *think" you've done that yet)

wannabespendthrift

Hi IA

Just in relation to barclays, you say its 19.9%.

have you asked barclays about their new flexi-card? They either give you a card with 14.9% APR but if you pay more than 10% of the o/st balance each month the interest drops to 9.9% APR - think you could manage over 10% payments on previous form?

Otherwise, like me, they say oh no you don't qualify for the 14.9% but we can give you 19.9% and if you pay more than 10% of your o/st balance your lower interest rate will be 14.9%. So as I always pay more than 10% anyway essentially my interest rate is now 14.9%. Better than the 20.9% they had been charging me. Also, and I'm not sure about this, but if the decision is based on how you run your current barclaycard then a credit search may not actually be necessary as there is no 'new' credit involved??

PS love the diary log in most days to follow it. delighted for you about your mum's pension money and your brother letting you keep it all. That'll make a right dent in Barclays, eh?

immoral_angeluk

wannabespendthrift wrote: »

Hi IA

Just in relation to barclays, you say its 19.9%.

have you asked barclays about their new flexi-card? They either give you a card with 14.9% APR but if you pay more than 10% of the o/st balance each month the interest drops to 9.9% APR - think you could manage over 10% payments on previous form?

Otherwise, like me, they say oh no you don't qualify for the 14.9% but we can give you 19.9% and if you pay more than 10% of your o/st balance your lower interest rate will be 14.9%. So as I always pay more than 10% anyway essentially my interest rate is now 14.9%. Better than the 20.9% they had been charging me. Also, and I'm not sure about this, but if the decision is based on how you run your current barclaycard then a credit search may not actually be necessary as there is no 'new' credit involved??

PS love the diary log in most days to follow it. delighted for you about your mum's pension money and your brother letting you keep it all. That'll make a right dent in Barclays, eh?

Barclaycard don't seem to like me.. I've had a couple late payments through no fault of my own and now they refuse to do anything for me... Ah well.. it'll be gone soon enough and I won't have to worry about it...

chunky79

immoral_angeluk wrote: »

God I'm getting all emotional now... keep thinking about everything that's gone right for us the past week or so and I'm just overwhelmed.. let me try and write it all down..

New sofa paid for outright
Old sofa taken away by local furniture exchange charity
Joined a band and made a new friend in the process
Got an extra tax credits payment of £108 we weren't expecting
Made £55 clear profit from ebay
Had a wonderfully kind Toto offer us her drum kit so we didn't have to spend money on buying one (which to be honest we can't really afford)
Learnt I've got £260 coming from a pension my mum had that we didn't know about
Our gas and electric DD is being cut to £55 a month
I saw K roll over for the first time
Ste's enjoying his job
EVERYONE'S HAPPY

I can't think of any more!

Wow you really have had a good week and personally i cannot think of anyone else more deserving!:T

immoral_angeluk

Morning all.. Ste and I had a lovely night last night.. Ste made fajitas which were gorgeous and then we sat and chatted while having a drink. Was really nice to just sit and spend some time together and normally we're both doing other things! lol!

My o2 bill went out today.. they didn't bother sending me a bill because I didn't use it last month. £6! Hurrah!

and it's D-Day for citi tomorrow!! Weird to think that this month we'll have had a new sofa, drum kit, amp inc a trip down to Hatfield in the car AND still been able to pay citi off..... Life is full of suprises.....