Elmer's moneysaving mission

ElmerFudd

That's true. For all I know I will probably only be overdrawn for 7 to 10 days too so it'll probably only be £14 to £20 owed, rather than £60 which is worse case scenario.

ElmerFudd

Annoyingly despite sending the money last week, have had to call my bank who claims it won't be going through until Tuesday. I hope it clears soon though as I want to do a BT from Lloyds then to take advantage of the 0% deal. Minimum amount that I will be able to BT is £1710 at the moment. If however the other transfer clears we are looking at a max amount of £4510 (I'd confirm this though once it's all cleared)!!! That will be quite a saving. £561-£135-60 = £366!!!! (I will update how much I have actually saved once all the transfers have taken place).

Woowoo

Hi Elmer

That sounds complicated! Hope it all goes through soon for you

ElmerFudd

Yep very complicated Woo. Just hope it all works as I expect it to otherwise I'll be juggling things around even more in the next few months with the only positive thing being the card will be down to 6.5K!!! I'd prefer to have 9.5k with 4.5k @ 0% though.

ElmerFudd

Finally got my overtime money. After taxes though it's only come to £182.80 more. I will be sending this to Lloyds and will also add it to my dribblers total.

Woowoo

Hi Elmer

That's a nice extra payment to Lloyds, well done x

ElmerFudd

Thanks Woo. Transfer still hasn't cleared though. The way things are going I won't manage to get the next transfer done in time.:(

ElmerFudd

Transfer has cleared, hopefully the other one was done in time. Guess I'll find out in a few days.

Woowoo

Hi Elmer

That's good news, hope the other one goes through in time as well

ElmerFudd

Hope so Woo. My "available credit" has dropped to what I expected, so fingers crossed it means it's being processed.

If it all transfers fine I'll have saved myself at least £365. Once it goes through I'll be able to let you all know. So far £9 on fees from one account + £2 in fees from the other (I left enough aside for £30 from each account). So therefore I may actually end up saving myself more.