London Socialite Sees The Light

LondonGirl252

JennyJenJen wrote: »

Hey London Girl, have never posted to your diary but I do follow it, I understand how difficult it can be to keep a balance between having a social life and debt busting!

Just wanted to say from what you posted above that you would be better off leaving your loan dd the same and increasing the credit card one. If you dont save any interest by paying early then there is no point in doing so.
Or if you dare, just work out how much you need to pay per month to clear the PO 0% by the time it finishes and save it in the meantime and just pay the minimum. Keep the £104 towards the loan the same and save anything extra you can afford to pay. You can still offset the savings against the debt for spreadsheet purposes (I know how important this is for goals) but at least this way you will at least be earning a little interest on it.

Does that make sense? You seem organised enough to be able to manage it and its better in your pocket than theirs!

Good luck and well done so far!

Hi Jenny

Thanks for reading and posting your advice. Yes it does and it does seem to be more sensible than paying off the loan early. I might just increse the ccard dd even more as I do still struggle not to spend money I have saved, once debt busting is done it will be a real challenge for me to save properly so I think its safer to just send it to the ccard then it can't be spent!

Thanks!

LondonGirl252

Had a good old lie in this morning, woke up, cleaned a lot and went for a walk to take my library books back...library closed... grrr so went to Mr S to pick up some smoothies and veg to give my body a vitamin boost!! Therefore 1 July has been a spendy day

I have £13 cash left from the money I withdrew last week, I'm next due to withdraw my weeks budget on Wednesday so going to try and make it last until then and pop it in a pot to use when I want to go out later in the month.

11 days till exam results.... gulp

MuffinTops

Hello LG,
I'm planning a trip to a supermarket today for some smoothie ingredients for a strongly needed vitamin boost!

Only 11 days? Wow, that's come round fast. No doubt these next 11 days will drag a bit for you. But we'll all be sending you very positive thoughts for great results, even though I strongly doubt you'll need any of that. You studied so hard for those exams you deserve a great result.

LondonGirl252

MuffinTops wrote: »

Hello LG,
I'm planning a trip to a supermarket today for some smoothie ingredients for a strongly needed vitamin boost!

Only 11 days? Wow, that's come round fast. No doubt these next 11 days will drag a bit for you. But we'll all be sending you very positive thoughts for great results, even though I strongly doubt you'll need any of that. You studied so hard for those exams you deserve a great result.

Hi Muffin!

Great idea, I love a good smoothie, much prefer drinking fruit than eating it!

10 days now... eep! It does feel like its come round fast now but I know this last bit will drag

Thanks so much for your positive thoughts, I really hope you're right and I did enough to pass! Eep!

In other news,

have joined the payment a day thread and am going to send a pound a day to debt, that's potentially an extra £30 to my credit card a month that I probably won't even notice.

LondonGirl252

Right NSD 1 acheived! And sent a £1 today and yesterday to the credit card which is now at £298.

Going for lunch with a friend today, need to remind him it is his turn to pay!

Erme

LondonGirl252 wrote: »

have joined the payment a day thread and am going to send a pound a day to debt, that's potentially an extra £30 to my credit card a month that I probably won't even notice.

I thought I spied you on there :j...

I'm on there and it's totally addictive. You can post your regular payments and any extra payments on there (please do) to get the collective total higher :A

No doubt with your monthly payments you'll make the counter upper very happy. I did it last month and loved it

So exciting all the PADs coming in - though miss Sasha's monthly 2K payments (they were like every week or every couple of weeks at one point )

E

LondonGirl252

Erme wrote: »

I thought I spied you on there :j...

I'm on there and it's totally addictive. You can post your regular payments and any extra payments on there (please do) to get the collective total higher :A

No doubt with your monthly payments you'll make the counter upper very happy. I did it last month and loved it

So exciting all the PADs coming in - though miss Sasha's monthly 2K payments (they were like every week or every couple of weeks at one point )

E

You did

Ok cool, thats good I thought it was just extra payments but I'll make sure I put all of it on there :j

LondonGirl252

Another £1 send to credit card this am

Already been a spendy day as had to send my SIL birthday present off

I had some wonderful news yesterday... remember I said my elder brothers partner was preganant a while back? Well, she lost the baby after 8 weeks... can't remember actually if I wrote that. Well, she is pregnant again and they had the twelve week scan yesterday and it all looks fine

Erme

LondonGirl252 wrote: »

You did

Ok cool, thats good I thought it was just extra payments but I'll make sure I put all of it on there :j

Some folk put all their payments. I just used to put extra and target debts (like the one you're working on currently according to the snowball link. - Posted it on there a day or two ago)....

I just have the OD to go which currently stands about £700 or so so like I just pad everything!!!

E

LondonGirl252

OK cool, I'll do that - that's really good you're so close!!!