A Payment A Day - Part 11!

Lost_and_nervous

njk1012 wrote: »

I've been considering a BT myself my CC's 0% interests run out 11th of November and 2nd of Feb.Virgin sent me an offer of 20 months at 0% transferred from them a few months ago and closed the account.

Think that is for new customers too, so if anyone has paid them off and still has others needing to be transferred it might be worth a phone call.

Though somewhere in my deluded brain i keep thinking it is possible to pay them off before paying interest or at least not paying it for very long, so a bit hesitant to add an extra 2.99% of transfer fees to my total. I have till the end of November to decide so leaving it well alone for a bit.

To pay off my CC 1 before the interest start date next month I would need to pay roughly £24 a day at the moment I can only afford around £10 and that's when we stick to a rigid budget with nothing going wrong(so far so good but something always comes up when you least want it too). So i need to get my thinking cap on and try and free up/ make some more money over the next few weeks.

Think first step is to try and get the OH to help with ebaying, have a double wardrobe full of stuff that needs to go.

Oh good luck, I really hope it works out for you x

Lost_and_nervous

Hi everyone, still no big PAD's but I am working on it!!

PAD for yesterday - £2.28

and todays PAD 66p

I know its early days! I am determined! And on my mind is - how will I make my PAD tomorrow??? xx

mooomin

£14.48 for me today please

retiredandskint

£3.28 for me today please. I've decided not to just collect the money over the month pay it off my cc that way. I have the payment set up on DD and any money I've paid in during the month is deducted from that amount. My new plan is to pay the extra money the same day the DD goes out.

Siouxsie32

Good morning all :wave: £1.00 PAD yesterday and another £1.00 today please

eveie189

£1 for me today please, going to the christmas fund.

Ta

Eveie

Erme

Allie_Ballie_Bee wrote: »

You could try inputing the two different scenarios in to a snowball calculator. Then it should be clear which works best.

I use this one -

http://www.whatsthecost.com/snowball.aspx

Good luck

Just wanted to say thanks so much for that :money:...Did it again in the middle of the night and this PC should be paid off by April (depending on how much I spend on my break in 2 weeks time :eek: - Have to save £40 if it's possible between now and then to pay for youth hostels otherwise I will have £20 for the whole week :eek: which won't be enough for food - not least cos the first two days I have to eat out )

Put some monies back on savings I took out yesterday......So like savings look healthier than they actually are as like I have to pay for deed poll end of December and that's £75-80

E

mrsb83_2

£6.65 to the loan please.

MinniMe_2

Thanks so much everyone for your advice yesterday. Flyin - I didn't think HFX did teh BT into a current account but they sent me a letter saying they do it to other cards or to your bank accoutn now so something must have changed!

Will be back later with PAD once I do the transfer and re do spread sheets etc.

brettcta

no big pad for me today, maybe at the end of the week

£5 to cc today