Time to address the finances...

Aamberle

Mummy - You are so right when you put it like that, I will see what these do..if they have no bids towards end of the week I will drop the pricing..;) A little ..lol


Anyway more good news - Another card closed this evening, and I have called and spoken to the company that are offering zero percent but not really zero percent..they said they would review this and advise me in the next few days..:o You just never know..but they will refund all the interest charged to me account..if they do I will use that money to pay off a little more on my interest charging credit cards..

I have already BT the amount on that as they would not help OH when he called..but hey it could happen...:rotfl:

Aamberle

It turns out today has been very productive.. I am now in a position to know what where and who i owe too.. I just await confirmation of a possible credit on a card - if not it gets closed at the weekend.

Both at zero percent over 22 months, I have set DD's up for minimum payments and received confirmation when i can make overpayments in the month - so that the DD is not amended so actually paying off the debt..Basically The day before, on the day, or the day after the DD is due. Anything outside of this and the payment will be amended not the balance...So I have a plan..:T

Minimum payments on the zero % cards, and focus on other 2!:eek: I will focus on one at a time, as clearing these and closing has definately given me a new positive feeling that I may actually be able to do this . Even if I am 100 when it is completed...

I am hopefully expecting a refund of about £100 in the next week or so - so as soon as that is in, BANG another payment made..

Anyway off to update signature now...

MummyDrusilla

That's brilliant! You sound as if you feel like a weight has been lifted off your shoulders! I felt like that when I wrote it all down, spoke to the banks to get up to date APRs and whether we could make overpayments etc. I had a plan and therefore felt a bit easier about it and not so lost. The tunnel had light (even if it was only a pinprick )

x

Aamberle

Wow Mummy - over a year off your DFD that is amazing..go you:j

Update for today - not getting expected credit from CC apparently - So I closed it down instead..:j Funny they said is there anything they could do customer care usual spiel..I said yes please can I have my money back..funnily enough my account was closed not 2 minutes later..lol.:D So that is another one off the list..Have one more to close and once BT gone through and then that is us.. 4 x CC's and the real start of the DFD journey..:j

Being sorting a few things today, and came across some currency different countries..from the days when we had holidays and checked on Martins buy back site..and I might even have about £45.00 there..so be off to town at the weekend, get that changed over and paid on a CC..also found £3.50 lying in a drawer that I did not know was there..so that went straight in the purse..lol. Will be another small payment on Saturday..maybe I should look tomorrow and see what else I can find..:rotfl:

squidgychesspiece

See Aamberle, you got your mojo back already

meow5678

Aamberle wrote: »

..also found £3.50 lying in a drawer that I did not know was there..so that went straight in the purse..lol. Will be another small payment on Saturday..maybe I should look tomorrow and see what else I can find..:rotfl:

It does make you wonder how much money is just lost/misplaced and never seen again!
Hopefully any in my flat will miraculously turn up when we move in a few months

Aamberle

Indeed it does ..I went to the Post Office today and changed it all up..some they did not take back - I need a proper travel agent to that..However ( drum roll please)....I got back £63.00!!! :j I am one very happy person..yes I am.

Just goes to show..it is the little things that add up...£63.00 in my case today

Am off to update sig...

X

slowlyfading

Woohoo :j £63 is not to be sniffed at

Aamberle

It's wierd..6 months ago I would of got a take away, and a bottle of wine..or infact not even of bothered changing it..But now I am in a whole new mindset..Just need to get this PAD right in my head and I should be nearly there Well in about 100 years :rotfl:

sistafromanothermista

£63 thats amazing!!!