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

HelenPie

psychopathbabble wrote: »

Why would you be transferring the ISA within the same year? I'd open the best deal one, then this time next year look at the next good deal and transfer the whole lot over.

ETA: Agree with fallenwiccan, it'll confuse the tax-free element if you opened more than one in a year. If you transfer correctly however, using the new account's transfer paperwork then there shouldn't be a problem.

That's what I meant I'm so rubbish at explaining things! x

affordmylife

hi everyone. my tax rebate cheque has finally cleared so i have just paid off £225 to my credit card.

so new total for me

No 78 £1,125/£4,500 = 25%

im thrilled with that and cant wait for payday to add to it x

Mrs_Addicted_to_Spending

kerri_dfw wrote: »

If only I was a man hahahahaha sorry couldn't help myself.

Lol :rotfl:. 3 times a day - how old are the men you know?

kerri_dfw

psychopathbabble wrote: »

Why would you be transferring the ISA within the same year? I'd open the best deal one, then this time next year look at the next good deal and transfer the whole lot over.

ETA: Agree with fallenwiccan, it'll confuse the tax-free element if you opened more than one in a year. If you transfer correctly however, using the new account's transfer paperwork then there shouldn't be a problem.

Ah this makes more sense now I think I got confused because I opened mine in September, so I don't know whether I have to wait until September to transfer it or whether I can do it come April. I can't find the paperwork to tell me the interest rate oops.

Mrs_Addicted_to_Spending wrote: »

Lol :rotfl:. 3 times a day - how old are the men you know?

Breakfast, lunch, and dinner

psychopathbabble

kerri_dfw wrote: »

Ah this makes more sense now I think I got confused because I opened mine in September, so I don't know whether I have to wait until September to transfer it or whether I can do it come April. I can't find the paperwork to tell me the interest rate oops.


Breakfast, lunch, and dinner

You can transfer when you decide to open a new one in April, whoever you choose, tell them you want to transfer your old one simples.

Disclaimer: check transfer t&cs for current bank but 'should' be ok!

kerri_dfw

Thank you everyone I'm going to start saving for a house, which will take me at least 4 years so will open the best deal I can find in April and transfer then

camuk81

Well I've just bitten the built realigning all my credit cards bills to fall in line with my spreadsheet (NERD ALERT!!) And reduced a visa limit by £150

Barbeduk

Sorry to hear about your work situation Jemma. At least you're prepared in advance for your meeting next week. We lost a big contract a couple of years ago and heard it on the grapevine first, and it did make the "official" news a lot easier to take.

Jakes-mum, am hoping you suddenly get lots of apologies on fb from people who didn't get your message in time. Sorry you feel so let down, that's really pants.

Just got the dreaded letter from bank this morning to say our mortgage rate is going up. Rats! :eek:

January20

Since today is update day:

#135 is £1214.40 / £1786.19 (67.98%)

jakes-mum

Ah ty barbeduk Have had a message off a mate this afternoon and shes going to take DD to tomorrows session for me instead, I really didnt want DD to miss 2 days of nursery so Jakes-mum is now officially mollified :rotfl: Sucks about your mortgage we are still fixed in so wont get hit for another 18 months

Also my new battery is winging its way to me, cost £60 (I was invisioning £200 :eek:) and I got to pay by paypal so hasnt actually cost 'me' anything

Am being I right lazy so and so tonight and making the kids Jacket spuds for tea as when we went to tesco on the weekend I picked up a bag out of the king edward box and some thoughtful sould had chucked a bag of jacket spuds in there, and yep you guessed it, those are the ones I picked up double blow as they were on bogof :rotfl: Im having roast dinner again and tbh they get a bit fed up of it, so am considering scooping out the middles of the jackets, mixing with ham and cheese, refilling and rebaking so thy get quite a filling dinner . . . might even spring for some baked beans to go on top :rotfl: I spoil them so :rotfl: