The "Pay ALL your debt off by Xmas 2012" challenge - PART 2!!!

kerri_dfw

Baby update
She's now 4 minutes apart, they've done a sweep (whatever that is and please don't tell me) and the contractions are now stronger

jakes-mum

kerri_dfw wrote: »

Baby update
She's now 4 minutes apart, they've done a sweep (whatever that is and please don't tell me) and the contractions are now stronger

Oh bless her, did her waters break?

mf0u1098

camuk81 wrote: »

Evening Gang,

Hope every one is well,

Kerri what did she have and is very one ok

Jakes mum you keep reminding me I need to do swag bucks

Jemma did you have a better day at work?

Pedro hows your friend doing

Changed money over from holiday and a bit left over so popped it to another payment

No 149: New payment for £45.00 bringing total paid to £9276.38 total paid off 34.94%

Anyway new dryer comes tomorrow. Paid for all out of my normal account Gotta do expenses and get some change back from work and claim some money back from the PTA!

Hubby has ear infection so I'm going to bingo so I don't have to listen to him moan all night! Booked him his doctors appointment for tomorrow. What more does he want!

Hi camuk81, can you please confirm your paid off figure as this doesn't add up! xxx

rubywhatashmoo

kerri_dfw wrote: »

Baby update
She's now 4 minutes apart, they've done a sweep (whatever that is and please don't tell me) and the contractions are now stronger

Lol I'm guessing you don't watch One Born Every Minute then Kerri?
(which is filmed in the hospital I work in shamefully enough)

mf0u1098

Superheavy wrote: »

Hi Jemma,

Sorry I've not been online today, but I think those who've been before me have given some sound advice. If you've saved up the money to pay off the loan, then I would think it is worth your while to simply put it in to a savings account and pay off the loan with that money, and then run everything else through another account.

Personally I'm in a similar situation when it comes to this summer as my loan (see my sig) is also a cashback loan, and it'll be a case of balancing whether or not the interest refund at the end is more than the saving from paying it off.

I forgot about that side of the equation yesterday, but surely you don't want to leave HSBC £1k up on you?

Then again, if you're going to be tempted to spend the money you've saved to cover the loan, then I suppose it is better to pay it off immediately. I think I fall into this category, as the benefit isn't going to be as large for me, and I'd just like all my debts off my back.

I don't think there's a right answer, just a right answer for you.

Thanks Superheavy, I've not started saving to pay off this loan yet as I've just finished saving to pay another loan off. I am intrigued by HelenPie's suggestion of seeing if I could offer to pay the interst in full and still get the rebate but at the end of this year as that way, HSBC would still get their money... Not sure how feasible this is but it's worth asking I guess. Otherwise I think I'll let it run the full term as much as I hate the idea as I cannot ignore £1000. Instead of using the money saved to pay back the monthly repayments then I'd use this to jump start my savings for a house deposit. I've managed for 6 years to make the repayments out of my salary so I can afford to keep doing this so I can earn as much interest as possible...

Thank you for your help xxx

kerri_dfw

jakes-mum wrote: »

Oh bless her, did her waters break?

Not yet I don't think

rubywhatashmoo wrote: »

Lol I'm guessing you don't watch One Born Every Minute then Kerri?
(which is filmed in the hospital I work in shamefully enough)

Nope, and I'm staying blissfully unaware

Argh someone has given neutral feedback because apparently a size 36 is not a size 8, it ruddy well is it says so on the care label. Apparently the item also had a stain on it, it definitely did not as I inspected it myself. HOW ANNOYING!!!

psychopathbabble

kerri_dfw wrote: »

Argh someone has given neutral feedback because apparently a size 36 is not a size 8, it ruddy well is it says so on the care label. Apparently the item also had a stain on it, it definitely did not as I inspected it myself. HOW ANNOYING!!!

I've not had neutral feedback but my little shiny stars aren't completely full very annoying when you have no idea why! As for the P&P I'm only charging the weight plus a few pennies for packaging unless it was on the borderline in which case I put it up to next one. How is non-traders supposed to make money any more?

kerri_dfw

psychopathbabble wrote: »

I've not had neutral feedback but my little shiny stars aren't completely full very annoying when you have no idea why! As for the P&P I'm only charging the weight plus a few pennies for packaging unless it was on the borderline in which case I put it up to next one. How is non-traders supposed to make money any more?

I'm assuming that they were being a moron and just saw 36 in the title and thought "oooh boob size 36" instead of the top size Eur 36. What's more annoying is that they give feedback instead of contacting you for a resolution eugh

angelbob

kerri_dfw wrote: »

Not yet I don't think

Nope, and I'm staying blissfully unaware

Argh someone has given neutral feedback because apparently a size 36 is not a size 8, it ruddy well is it says so on the care label. Apparently the item also had a stain on it, it definitely did not as I inspected it myself. HOW ANNOYING!!!

i used to work in dotty p's and 36 IS a size 8 (some people are just annoying) plus you don't wanna know what a sweep is, ive got two kids and it ain't nice.
well i've just spent about 2 hours on Wink Bingo but made a tenner, im not doing that again, reminder to self angelbob does not gamble

loveday69

kerri_dfw wrote: »

Not yet I don't think

Nope, and I'm staying blissfully unaware

Argh someone has given neutral feedback because apparently a size 36 is not a size 8, it ruddy well is it says so on the care label. Apparently the item also had a stain on it, it definitely did not as I inspected it myself. HOW ANNOYING!!!

Was it from gap by any chance? Their sizes are all american. 36 should be size 12 but american size 8.

Found this http://www.getmyfashion.com/size-comparisons.html

HTH

It's a pain they had to leave feedback before contacting you though.