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A Thread for After Debt?
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When are you hoping to have it all by?We spend money we don't have, on things that we don't need, to impress people we don't like. I don't and I'm happy!:dance: Mortgage Free Wannabe :dance:Overpayments Made: £5400 - Interest Saved: £11,550 - Months Saved: 240
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JulieGeorgiana wrote: »I have a credit card to build my profile. I put my Petrol/Food onto it and pay it off in full each month by only spending what I have in the bank... and setting it aside the second I spend it. I've been doing this for years and my profile is full of green lights... so it really does workJulieGeorgiana wrote: »In reality paying both the minimum balance or the full balance gives you a green tick on your credit profile and builds it up. But the balance will be on there.
Hello!:D Just a very flying visit atm as popped in to pick up a link someone left for me on another thread last night.... and just couldn't resist a quick read:D
JG can't believe Roo's not here yet .......;)
Re credit cards & building your profile - using to pay for a set thing each month & clearing in full is best ...... (and stops - me anyway - overspending as I know it I can only spend what I can afford to pay that month) - if you can't quite manage the full amount for any reason..... pay more than the minimum amount - any minimum payments are now shown on your credit file as the amount outstanding, the amount you've paid that month are shown and, if it's been the minimum amount, a big fat M is marked beside it (which doesn't look great to lenders). HTH
Anyway, must dash just now - having a carp week at work & just in ...... will pop back later to catch up better ... especially at all the weird & wonderful tricks out various pets seem to be playing! (cats and swimming pool hair!)Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
rising_from_the_ashes wrote: »JG can't believe Roo's not here yet .......;)
I KNOW!!!!any minimum payments are now shown on your credit file as the amount outstanding, the amount you've paid that month are shown and, if it's been the minimum amount, a big fat M is marked beside it (which doesn't look great to lenders). HTH
Is this new? Never knew this!We spend money we don't have, on things that we don't need, to impress people we don't like. I don't and I'm happy!:dance: Mortgage Free Wannabe :dance:Overpayments Made: £5400 - Interest Saved: £11,550 - Months Saved: 240 -
Mustbemad welcome you will fit in nicely as we are also mad !
DollyRocker looking at your signature you are making great progress with our debt busting and I am sure it wont be long until you join us.
JG where is roo hiding? When is your next appointment.
Big hello to everyone else, wont be on too much tonight as this is pub quiz night !January
LBM May 2008 :eek: Debt Free January 2012 :T0 -
JulieGeorgiana wrote: »I KNOW!!!!
Is this new? Never knew this!
Neither did I until I got my credit report recently (before applying for a remortgage) so it's changed in the last year or so since it was checked last....
There were a few months in late 2010/early 2011 (when I was still really struggling to pay things off) that I only made a min payment to the cc to help clear other things ..... and they were still showing:eek:
They should drop off eventually but still doesn't look great - luckily it didn't affect my application as I'd been been paying the full amount for around 9 months ....
However, even if you apprently pay say a £ more, this doesn't happen .... well worth doing IMHO:)Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
Just had a quick Google http://www.equifax.co.uk/About-us/Press_releases/2011/EQUIFAX_WELCOMES_THE_ICO_CREDIT_FILE_CAMPAIGN.html
See the bit about Credit Card Behavioural Data
HTH - now really must go just now .....Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
Aly Midwife is coming to the house Thursday to do a sweep...!
Rising so definatly new. I can see why... but i bet loads of people wish they knew about it before!!We spend money we don't have, on things that we don't need, to impress people we don't like. I don't and I'm happy!:dance: Mortgage Free Wannabe :dance:Overpayments Made: £5400 - Interest Saved: £11,550 - Months Saved: 240 -
:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
Have a look at this post I made yesterday regarding account rounding and OCD...I myself am made entirely of flaws, stitched together with good intentions...0 -
Little_bit_dizzy wrote: »:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
Have a look at this post I made yesterday regarding account rounding and OCD...
Love it :T
I've never felt so normal in my lifeWe spend money we don't have, on things that we don't need, to impress people we don't like. I don't and I'm happy!:dance: Mortgage Free Wannabe :dance:Overpayments Made: £5400 - Interest Saved: £11,550 - Months Saved: 240 -
Is it better to pay the Very account off every month or leave it for minimum payments or pay more than the minimum but not quite if you know what I mean.
Samantha xx
Sam, be aware that Very have a really high APR, circa 39%!!!! Don't get stung for the interest, it's nearly as much as JulieGeorgiana's DS pays her :rotfl::rotfl:
QueenB, hope your DS's arm is on the mend. Hospitals are never good but the early hours are the worst time to be there. Hope you manage to catch up on your sleep tonight.
Hello to DollyRocker and Mustbemad :wave: nice to 'meet' you both! Dolly, good luck with the rest of the debt, looks like you're doing a fab job...
rising, thanks for the heads up regarding the big fat M... useful information. I'm going to get my credit report tomorrow I think. I know there's 3 places that do them now. Do you guys get them from alll 3 places or just one or 2? Is there any company which is the best one to start with? Haven't looked for a few years so I'm intruiged to see what it will look like. Don't recall traffic lights before
Good luck at the quiz Aly, if bingo is anything to go by you'll win the pubI myself am made entirely of flaws, stitched together with good intentions...0
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