SS's 2007 Debt Free Challenge

Eupho

southernscouser wrote:

Is there any reason you haven't applied for any? Could save you a tonne in interest?

Nope the only reason I hadnt applied was like I said. (you got distracted by the BRA!) I was scared of getting of getting a knock back for having too much credit already.

My Own HSBC loan refused to bung my credit card (theirs) onto it and lower the interest. Because I failed THEIR scoring. But they said I was fine with Experian. So maybe I SHOULD try eleswhere.

haha does that make sense? the phone rang in the middle of that and I lost my train (choo chooo) of thought :rolleyes:

Perhaps I will look for some low balance cards then. Thankyoooo

Eupho

southernscouser

Eupho wrote:

Nope the only reason I hadnt applied was like I said. (you got distracted by the BRA!) I was scared of getting of getting a knock back for having too much credit already.

My Own HSBC loan refused to bung my credit card (theirs) onto it and lower the interest. Because I failed THEIR scoring. But they said I was fine with Experian. So maybe I SHOULD try eleswhere.

haha does that make sense? the phone rang in the middle of that and I lost my train (choo chooo) of thought :rolleyes:

Perhaps I will look for some low balance cards then. Thankyoooo

Eupho

Well whats the worst that can happen? You get a search on your file for 12 months! I'm sure you're not gonna be going for a mortgage or anything in the next 12 months so I can't see it doing any harm!

The Marks & Spencer card is the best one out there right now at 3.9% with Intelligence Finance next at 4.95%!

Check through this site though coz you might be able to make the site some money! :T

southernscouser

Nowt much to report!

Counted up my coin jar and I've got over £145 in there! :j

I know this should go towards the debt :rolleyes: but this is my official holiday fund jar and I won't spend it while it's in there! Am gonna start chucking my £1 and £2 coins in there aswell!

On the down side I've spent £40 and £85 on trainers! :whistle:

Hopefully I should have a couple of hundred extra to to throw at the debts aswell at the end of the month! :j

bananakinz

is that £40 AND £85??

southernscouser

bananakinz wrote:

is that £40 AND £85??

Yes! .........

Eupho

southernscouser wrote:

On the down side I've spent £40 and £85 on trainers! :whistle:

Crikey! :eek: Is one foot really THAT much bigger than the other?

(and thanks for the card suggestions )

bananakinz

lol, hope they make you run faster!

kathfisch

southernscouser wrote:

On the down side I've spent £40 and £85 on trainers! :whistle:

SS, hun, are they gold plated trainers?!!

southernscouser wrote:

Hopefully I should have a couple of hundred extra to to throw at the debts aswell at the end of the month! :j

A couple of hundred is great... the challenge starts in earnest now hey!

southernscouser

Well one pair is for the gym. Got 10% off coz they had a mark on them!

The others! Well what can I say! :rotfl:

James240

southernscouser wrote:

Got 10% off coz they had a mark on them!

:T:T:T:T:T:T:T:T

nice one mate :beer: