lurvlylurker does a diary

lurvlyloz

Just rung up & closed my Very account. dont want open accoutns with all that temptaion lurking so best to close it

also paid £1 each on my CCs. i know only a little bit but a bit a day and all that.

lurvlyloz

Another god damn update on my signatyure due to getting my actuall barclays loan update. £500 higher than i expected (not sure how that works). rather depressing start to my afternoon

Think i might have to have a little cry

lurvlyloz

have decided that as on my virgin card its 0% for balance transfers, i'm paying off my car loan. thats £220 pm i will be paying on to my credit card now rather than £160 on my car and £60 on to my cc. i knwo its just moving it but its a lower interest rate and i can SEE the balance on my credit card on my online banking rather than just thinkgin of it as "oh that loan"

im rambling now

lurvlyloz

oh, checked on a settlement figure for my barclays loan and is £2839.24 so a little lower so will put the extra money from the balance transfer (coz the money will go straight into my bank) straight back on my credit card

StressedSteph

Hi LurvlyLoz

Well done on being so positive. You are getting there, no matter how slowly. Just make sure you keep posting on here, so that you keep going.

I have subscribed to your thread to that we can keep each other going.

Well done to DH for passing his test. Lets hope it helps him find a good job. Will have done wondered for his self-esteem which is 50% of the battle.

Take care

lurvlyloz

Thanks stressedSteph.

just a few moments as early days and the realisation i guess. will be ok.

yes it has done wonders for his confidence so hopefully he can now find a job

lurvlyloz

morning people.

SO, yesterday i took the balance transfer from Virgin (cash into my bank account). got up up this morning and it is in m by bank. so i call up barclays for my car loan & paid that off. £160 is still go out of my bank so didnt quite need the whole amount from virgin so have paid that straight onto my Creidt card. have updated my signature.

my mint loan has todays payment, decembers payment (jan 1st) and Jan payment (feb 1st) SO im aiming to be at £7500 byt feb 1st hopefully lower but that is a very manageable amount to get to.

Today: 8228.59
Today - £101 for mint (all other payments have gone through)
December 31st
Virgin £200
Barclays £62
Mint £101
Total: 7764.59

Jan 31st
Virgin £200
Barclays £62
Mint £101
Total £7401.59

Oh...well looking at the maths that target is stupidly realistic so lets got for by Feb 1st £7300! so nearly a grand in 3 months.

SOD IT! let go for £7228.59 by Feb 1st. so a grand in 3 months.

boring morning post for you all but hope you have a good day x

lurvlyloz

AND usually on a friday its bacon cob friday....today is moneysaving friday so no bacon cob for me.

this is gonna do wonderes for my waist line haha

StressedSteph

Wow LurvlyLoz, great debt blasting.:T.

Good idea about transferring the money from your 0% card off onto your loan.

Feels good to get sorting things out does'nt it.

Well done for resisting the Bacon Cob as well .

Hope you have a good day xxx

lurvlyloz

mornign Steph hope you are ok.

yes i feel prettyy good. as my LMB was only monday and i've managed to clear £500 with payments and moving it makes me feel a bit clearer and faceing up to things.

have told OH all about it and he was really supportive and caring so that made me feel better about it as well. nice to be 100% honest about everything.