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A Payment A Day - The Lucky 13th Chapter!

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Comments

  • jet9cat
    jet9cat Posts: 1,657 Forumite
    Igamogam wrote: »
    Now this is probably not a question for this thread but I am sure there will be some one who knows the answer and people on here seem much friendlier than on others.................... I have 4K to move from a CC that is coming to the end of its 0% offer - I could move it to a low fixed rate for life of balance with a low transfer fee or move to a 0% for 6 months with a higher fee with the prospect of moving again in 6 months as will in all reality only have cleared no more than £1000.........anybody out there know how to do the maths or point me to somewhere I can work it out as to which is the better option? Please :)

    Hi Igamogam

    Not too brilliant with the maths myself but would the snowball calculator help? Think there might be a link on the main debt free wannabee forum. Haven't used it myself but I know a lot of people use it to work out which debt to pay first to save most money.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear :D
  • haybel19
    haybel19 Posts: 1,332 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    £5 PAD for me :j
    Make £10 a day challenge November £125.60/310
    December 417.35/310 January 512.33/310

    £1000 emergency fund challenge 0/1000

    Rule of 3 challenge 13/365
  • Time_to_face_the_music
    Time_to_face_the_music Posts: 5,454 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    Good morning fellow PADders :)

    An Amazon sale and 3 little ebay sales provide a very nice £40.25 PAD to M&S Money :T

    TGIF :j

    Have a super day everyone :D
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    :staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt :)
  • LunaLady
    LunaLady Posts: 1,625 Forumite
    jet9cat wrote: »
    Hi Igamogam

    Not too brilliant with the maths myself but would the snowball calculator help? Think there might be a link on the main debt free wannabee forum. Haven't used it myself but I know a lot of people use it to work out which debt to pay first to save most money.

    I was going to suggest a snowball too, it will tell you which will be more expensive over time. I use whatsthecost.com. Dont google snowball on its own, unless you are prepared to be :eek:.

    £45.00     for me today please Jay
    SPC #1813
    Addicted to collecting Nectar Points!! :D
  • JayJay14
    JayJay14 Posts: 1,918 Forumite
    Yeserday's Pads a magnificent

    £450.30
  • lotti379
    lotti379 Posts: 787 Forumite
    £1.63 today please

    Particularly happy about that as there was a .63 on the end of the CC balance, nice round numbers for all! :D

    Sig not up to date as I have work expenses on the CC at the moment, which I'm not counting as part of what I owe as I will get the money back.
    “Obstacles are those frightful things you see when you take your eyes off your goals.”

    NSD Challenge: August 2017 2/15
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    £4.66 to the nominated CC please :)
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Thanks Luna and J9C :) Will not google snowball if its anything like tea bag ( that an innocent 7 year old in my class put in google when doing some research on tea!) it will be definitely :eek:
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • JayJay14
    JayJay14 Posts: 1,918 Forumite
    Big PAD for me today

    £2635.69 to PAY OFF THE tosco CC - no more interest there, will in future be using this ac for grocery spends only and pay off every month, the plan is that all our ccs will be used this way so hope to be able to keep it up.
  • haybel19
    haybel19 Posts: 1,332 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    PAD of £11 for me today :j
    Make £10 a day challenge November £125.60/310
    December 417.35/310 January 512.33/310

    £1000 emergency fund challenge 0/1000

    Rule of 3 challenge 13/365
This discussion has been closed.
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