Feel so down - with SOA

tryhard_2

hi
just check that capital one credit card apr is the highest otherwise you should consider paying extra towards your storecard

tryhard_2

natwest loan - PPI; is it worth keeping the PPI? it is probably costing you lots of money. maybe someone will give you the correct advise on this

Bunnie1982

lynzpower wrote:

could you look into mystery shopping? Only yes, it sometimes only gives you say a fiver , but its a meal you dont have to pay out for at home, and is a "treat"

Thanks for that, I already do mystery shopping and had about £46 come back into my account today.

I am registered on Pigsback but have not used it for ages, I think I have enough piggypoints for a voucher too.

Selling the car is an option, I guess I did not realise what a false economy it was until I really thought about it today. In bus fares we would be spending £80 per month, but already we spend £40 on petrol and gas, £45 on car insurance, £15 on tax and then there is servicing and repairs to take into consideration. My only difficulty is getting home if I finish work on a late shift.

I don't think my OH actually realises how serious the finances are, he always has this nice habit of burying his head in the sand. I have spoke to him before about the bowls asking perhaps he could cut it down to once a fortnight but then his dad interferes and tells me that "bowls is his only source of enjoyment" :mad:

Thanks again for all the helpful advice x x

bank_of_slate

Hi again bunnie.

You need to try to get him to see exactly what the situation is!
Otherwise he might be spending money as fast as you're saving it!
Show him some of the snowball calculations on https://www.whatsthecost.com, that often works.
...Linda xx

oakdale_minx

I phoned Capital One 6 months ago and said I was doing some financial 'housekeeping' and asked the APR (even though I knew it was horrifically high). When they told me, I acted all shocked and disappointed and said how much I liked them as a company (lie, lie, lie!!!), but if the APR was that high, I would have to do a balance transfer to another company and was there anything that they could do about the APR???

They reduced it 14.9%........

I phoned all my CC's. Some wouldn't budge, but Barclaycard dropped from 34.9% (OUCH!) to 15.9%.

Worth a go to chop a few pounds off the interest.........