Making mayhem in May with the NSD challenge

PiggyBankShaker

I had my NSD number 3 yesterday, but need to buy a birthday card / present for my auntie later so, won't be clocking one today.

cw18

shezam wrote: »

I really just want to get rid of this overdraft and close the account, my partner has a HBOS credit card interest free on purchases till September. Anyway I can pay the overdraft amount of £200 from the overdraft then just pay back the overdraft? Or is this not classed as a purchase this would maybe be classed as a balance transfer which I don't think we have an interest free period for.

Any help would be greatly appreciated. Now just want rid of this overdraft as its causing me sadness! lol

Thanks x

I assume you're considering pulling £200 from the credit card to pay off your overdraft? My personal opinion would be that this is NOT the best thing to do, as withdrawing cash from a credit card is NOT classed as a purchase and generally carries very high fees. I'd only ever use a credit card to get cold hard cash in an absolute emergency.

The best option (if you want to move the overdraft amount onto the credit card) is to use the credit card for day-to-day shopping, and then pay that amount off your overdraft - but you need to allow for the minimum monthly payment on the credit card going up, and also need to be sure you can pay if off in full before the end of the 0% period.

shezam

Yes that was my plan! but I understand the high fee's etc so would probs not be for the best.

Thanks for your help! x

LittleMissHappy_2

No NSD for me today as I was at Mr T's and they had some great whoopsies Still got 3, though, so I'm not worried.

honey

angelflower -maddening, isn't it!

GeorgieFTB - you made me smile, I know exactly how you feel, I love reading this thread but I always fall behind!

Wee Pilsbury - Congratulations, that is fab news :T

Kerry78 - hope you're feeling better today x

None to report for me, I had a few bits to pick up in town (plus those darned oats!) unfortunately I picked up a few more bits than planned. See what happens when I forget my list!

honey x

chrisico

Hello all! I'm pleased to report 1 NSD yesterday so I'm off the blocks.
Today isn't so good as I'm entertaining a bored student who should be writing an essay but can't find inspiration (!). Tea and cake and a look around a few clothes shops has sorted her out but thats £8 I won't see again!

Chris

IF

Good afternoon NSD'ers :hello:

solventsoon wrote: »

:j:jIf - thanks for the group hug, they’re always welcome. You’re doing brilliantly, no chocolate temptations yesterday or today then?

No Spoony I was very very good!! Got chocolate today though!! :D:p:p

Hope you feel better soon Kerry78 x

PiggyBankShaker

No NSD for me today, spent £5 on my auntie. However, did resist oodles of temptation so very proud of myself all the same.

katenut

Number 3 for me today Had a lovely day in the veggie garden, but I am supposed to be revising though - oops! Hope everyone is well, no time to catch up at the minute xx

WelshWoofer

NSD no 2 for me today!:j:j

Tomorrow will probably be a spendy day but will try really hard on Friday - promise!