Catriona's Credit Card Countdown

beanielou

Great result for you :j : j :j

Rebecca01

Whooooooo hooooo! Great news cx

Orange_Ena

catriona79 wrote: »

Big day in C79 HQ!!!

First credit card ever fully paid off!



No balance transfers this time, oh no! :dance:

Very happy now, and really needed it too, so I just went for it.



The new totals are as follows:

Debt:
Halifax card - £5800 – 0% until March 2016
Santander card - £2745 – 0% until May 2016
Total credit card debt is: £8,545


Savings:
TSB account - £3,041
FD regular saver - £1500
HSBC ISA – £330
M&S regular saver - £125
Car savings - £60
Total savings are:£5,056

Which means that my net debt is £3,489 :beer:

Woohoo I'm giddy for you!! Excellent news paying that blimming CC off :j:T:j:T:beer:

Blimey, if you get a other lodger and put away that £900 you're potentially debt neutral by May! Wow :j:j:j

Could you get a 2nd hand bed base to make it cheaper? Or ike@?

Haha I fake smile all the time at work but I'm not convinced about it making me happy......no I don't mind that you're 20 mins late for your appointment......fake smile......no I don't mind working through my lunch.......fake smile...........no of course I'll do that totally pointless waste of time task that you want me to do.............fake smile...........:rotfl::rotfl::D

The weekend is nearly here! And it's only 11 days until payday for me :T When's yours?

AspiringButAnxious

:j :T :j Congratulations! :j :T :j

Hope your next lodger is much more considerate

catriona79

beanielou wrote: »

Great result for you :j : j :j

Thank you Lou!

It felt good!

I instantly messaged Virgin to ask them to close my account - then this morning I checked online and the payment had cleared. And they confirmed closure. Should get a letter next week.

The card had a £12,600 limit, so thank goodness it's gone!

catriona79

Rebecca01 wrote: »

Whooooooo hooooo! Great news cx

Thanks Rebecca! It feels great, first time in 6 years I've managed to do it. Woo hoo.

catriona79

Orange_Ena wrote: »

Woohoo I'm giddy for you!! Excellent news paying that blimming CC off :j:T:j:T:beer:

Blimey, if you get a other lodger and put away that £900 you're potentially debt neutral by May! Wow :j:j:j

Could you get a 2nd hand bed base to make it cheaper? Or ike@?

Haha I fake smile all the time at work but I'm not convinced about it making me happy......no I don't mind that you're 20 mins late for your appointment......fake smile......no I don't mind working through my lunch.......fake smile...........no of course I'll do that totally pointless waste of time task that you want me to do.............fake smile...........:rotfl::rotfl::D

The weekend is nearly here! And it's only 11 days until payday for me :T When's yours?

Hello Ena, thanks I'm sooo happy. Been waiting for this moment a while. It seems like it's really going to happen now. Do you feel the same now that's you're motoring with 2nd job?

I think I'm going to get a bed and mattress either from ikea or in the sale in January. Think it will have to happen, there's no other way! I'm sure that if I choose well, I will be ok. It's not forever!

Hehehe re your fake smiling. Oh isn't it a joy!!? :rotfl:

Ha, good question re pay day, I don't know! I'm guessing it's 21/12, but not sure... Gotta find out. I have disappointed myself there

I fly home on 21st too, so hopefully will not spend it all at once! (Slim chance!)

Have you got many more gifts to buy? Good news re second job and that woman, that she hasn't been since. Grr to her.

catriona79

AspiringButAnxious wrote: »

:j :T :j Congratulations! :j :T :j

Hope your next lodger is much more considerate

Hey thereABA :j

Thank you x

How is the links to work situ progressing? Sending hugs x

catriona79

Assignments finally submitted, and I am now ready to concentrate on packing for Christmas! Whoop whoop!

I have also been pretty decent at not spending money! (This is going to end on Wednesday when I will go and pick up lots of presents and have my hair done!!)

Good night everyone.

beanielou

Happy new hair :j :j