Batten down the hatches.....

Orange_Ena

Thanks lcc. Yep we'll cheer each other on :T:j:)

Today
* Went to check out a local car boot ready for doing one myself. Took £2.50 with me just in case I spotted a bargain but came back with it all.
* NSD
* Managed to earn 101SB by doing some surveys. Finally qualified for a few
* Did a rough meal plan for the next few days
* Joined Pr0lific Ac@demic and completed a couple of surveys
* Will list 4 items on a FB selling site after eb@yers didn't snap them up!

Right, might be back later!

Orange_Ena

Nearly hump day!

Yesterday!
* Youg0v survey
* VO survey
* £2.50 parking
* One balance transfer completed to the new Ll0yds CC, one failed for some reason. The one I needed transferring! (Nati0nwide) was the one that worked. When I actually get the new CC I'll try and balance transfer again! :mad:!
* 54p transferred to Nati0nwide CC

Today
* Youg0v survey x 2
* A few surveys on sw@gbucks. Best I've ever done in one day so managed to get just over 200SB :)
* £4.68 on milk and cheese. Mainly milk......:o
* Grocery receipt scanned on checkoutsm@rt for 5p

Payday in a week :T Can't wait to have finished paying jdwilliams (£9.08 left ) and to have a reduced amount going to Plusn3t! (due to paying line rental saver and an offer my monthly bill will be going from £28 ish to £5 ish) and to have my gas and electric going down to £39 from £59. In total they'll be £93 less going out this month compared to last month. I'll use this 'extra money' partially to snowball, partially for budgeting to pay for next years line rental saver and partially towards things that need doing in the house before I can get a lodger. And I won't be paying interest on my new CC so it finally feels like I'm getting somewhere. So yep, bring on payday! Can't wait to shuffle some dough!

catriona79

:beer:CELEBRATIOOOOOOON!!! :beer:


Well done on the card shuffle and the 0%! Yeah, try and ring them when you get the card. That happened to me and my ex before, but then he sorted in in a phone call.
JDW will be paid off so soon, and you will see the amounts owed going down if you're not paying interest. So if you move the NWide balance onto Lloyds CC, will you then be 0%?

I can't wait for payday either! Though for me it's 10 full days away. Annoying. But hopefully my lodger will pay up at last tomorrow. Would be great to just pay off those bothersome cards. Grrrr. See some progress, at last! Onwards and upwards! :dance:

Orange_Ena

catriona79 wrote: »

:beer:CELEBRATIOOOOOOON!!! :beer:


Well done on the card shuffle and the 0%! Yeah, try and ring them when you get the card. That happened to me and my ex before, but then he sorted in in a phone call.
JDW will be paid off so soon, and you will see the amounts owed going down if you're not paying interest. So if you move the NWide balance onto Lloyds CC, will you then be 0%?

I can't wait for payday either! Though for me it's 10 full days away. Annoying. But hopefully my lodger will pay up at last tomorrow. Would be great to just pay off those bothersome cards. Grrrr. See some progress, at last! Onwards and upwards! :dance:

Woohoooo celebration indeed :beer::beer: Thanks Catriona

Hopefully they'll be able to do this other balance transfer, I probably just typed the wrong card number in or something! Yep, no interest on Ll0yds but I've been paying 19.9% on Nati0nwide :eek::( If this other balance transfer goes through, it'll be about half of what I'll owe to Barclayc@rd but I'm hoping to get another 0% card before the interest kicks in and transfer the rest in the unlikelihood of me winning the lottery before then :cool::D

Oh gosh, hope she pays soon It will be be lovely to pay something down. But it's all work in progress isn't it. We're here, on this site, learning the money saving ways, battling away and we shall be VICTORIOUS.............at some point in the future :)

Orange_Ena

Evening! Over the hump now......and ready for le weekend

Today
* NSD
* A few more surveys on Sw@gbucks. Somehow I got 248SB today and a total of 564 in the last few days. I think I wasn't doing it right before or something! Anyway, I've just gone over the 849SB to redeem a £5 am@zon voucher but I think I'll keep going with it now and cash out nearer Christmas. If in future I have a good a week with it as this week, I could potentially get £5 a week which is £260 a year, for doing surveys while sitting watching telly. :cool:;):D
* Gave my friend some things I didn't want and she gave me homemade biscuits in return
* The Nati0nwide to Ll0yds balance transfer has gone through. There's about £150 left to pay which will be paid off asap. I don't know why I didn't transfer the lot, can't have been concentrating! :eek:
* 32p transferred to Nati0nwide CC

Hoping for a NSD tomorrow..........unless I run out of milk. Still trying to reduce my milky coffee intake!

catriona79

Orange_Ena wrote: »

* The Nati0nwide to Ll0yds balance transfer has gone through. There's about £150 left to pay which will be paid off asap. I don't know why I didn't transfer the lot, can't have been concentrating! :eek:

Well done!!! Wow. So you're all on 0% now, that's amazing. It will snowball (in reverse!) now!

What a result.

Could you not do another BT now for the £150 or would that not make sense?


Friday tomorrow!!! Wow wee!!!! :T

Orange_Ena

catriona79 wrote: »

Well done!!! Wow. So you're all on 0% now, that's amazing. It will snowball (in reverse!) now!

What a result.

Could you not do another BT now for the £150 or would that not make sense?


Friday tomorrow!!! Wow wee!!!! :T

Friday, woohoo indeed :T:)

I'm nearly all on 0% but there's about £2300 ish left on the Barcl@ycard which has interest kicking in around November time, I managed to shift the £2000 to my new Ll0yds CC which failed for some reason the other day. I'm sort of hoping that by keeping Nati0nwide CC on for now, they'll offer me a deal to transfer some of the remaining Barcl@ycard otherwise I'll just pay off the remaining £150 and close it then apply for a new CC in a couple of months. I think I've made this very complicated :rotfl: I'm glad I've wrtitten this down here, I might have to refer back to it!!!

Orange_Ena

So ready for the weekend, and ever closer to that magical day that we call PAYDAY :T:rotfl:

Today
* NSD
* Shifted £2000 from Barcl@ycard to my new LL0yds CC. Not sure why it failed the other day, probably typed the wrong number in.
* 2 surveys on Pr0lific Ac@demic
* 31SB earnt. Not quite as good as yesterday

I think that's it, not much happening! I've got Monday off so a nice long weekend is a-coming

Orange_Ena

And its Friday. I made it :T:D

Today
* £29.39 on groceries, including a couple of little presents with £1.66 off my next shop at Te3co for their price comparison thing
* Scanned receipt on Checkoutsm@rt for 5p
* 92SB from surveys and a couple of games!
* 46p transferred to Nationwide CC

Other income streams
* 450 points on Y0ugov
* 987SB (qualify for £5 Amaz0n voucher)
* £3.51 payable in TCB, £9.49 pending
* £35.95 on VO
* 75p on Checkoutsm@rt
* 25p on Sh0pitize
* £2.75 on PA, £2.50 pending

All those extras add up £60.20.....for not very much effort :T:D:j

Total debts as of 21st Aug
* £9.08 JDWilli@ms
* £3287.50 Ll0yds CC
* £155.89 Nati0nwide CC
* £2465.46 Barcl@ycard

A grand total of £5917.93. :eek::( Its gone up a little from what it was due to my new laptop and the balance transfer fees but its better than it was last month when I returned to my debt busting ways. :money:

Hopefully this coming month will see the back of my smallest debt and some way to clearing the next smallest debt, as well as savings made on my gas and electric supplier change and my broadband / line rental saver deal. And the change to my current account which will eventually bring a nice £100 bonus.

:):)

catriona79

Cooking on gas!

The fees do bring the total up, but just think what a difference the shift to 0% will make!
One down three to go soon.

What are your plans with the £100? Treat or debt?

Soo late, I'd better go. Catch you tomorrow.