How many LBMs does it take to be DF ????

scotdebs

Whoop woo on a whim applied for 0% transfer card for Dh and he got accepted:j. £1900 for 15 months:D

So farewell capital one and your 34% apr:eek:

Also knocked £200 off barclaycard :T

Most excited :jaway to rework who is next on hit list of shame

FalseEconomist

Brilliant- feels lovely to be considered a good bet doesn't it? Have you worked out the difference it'll make to your DFD?

Knit_Witch

Excellent news! Go you

scotdebs

To be honest FE our debt is so big and the rest of the aprs are so high that it doesn't make much of an indent but it means I can clear another card before Xmas and hopefully soon after that they will offer 0% transfer balance and from there we can get in to an upward rather than a downward spiral on the cc's :j and that's when the DFD will really start to come down - current calculator says early 2016 but I would love to be clear by end of next yr or not long after - will mean ebaying everything in the house but will be worth it

HOK3Y

scotdebs wrote: »

To be honest FE our debt is so big and the rest of the aprs are so high that it doesn't make much of an indent but it means I can clear another card before Xmas and hopefully soon after that they will offer 0% transfer balance and from there we can get in to an upward rather than a downward spiral on the cc's :j and that's when the DFD will really start to come down - current calculator says early 2016 but I would love to be clear by end of next yr or not long after - will mean ebaying everything in the house but will be worth it

It all helps scotdebs and I am so pleased you have got hubby accepted for that card. And if you have to EBay everything in the house, so be it! I have Ebayed this house to death......it helped to clear a $5k cc in 3 months! My problem now is that I really have very little left to auction off! Have you thought about purposely shaving a few months off your planned debt free date and using it as a motivator. It doesn't hurt to shift your aim and focus on it. Best of luck with the auctions this week.

scotdebs

Hok3y am hoping to shave about 12 months off:rotfl:

This house is full of stuff some which might sell on eBay and some well......... The skip probably wouldn't even accept it

Example - in looking for ds1s wellies for a cub trip found about 3 sets of waterproofs in immaculate condition that are now too small for ds1 and ds2 and in the loft loads of baby clothes etc also toys toys galore but not sure if these are better at a car boot? Must admit the thought of a car boot does traumatise me somewhat:eek:

scotdebs

Dear diary......I have been cheating on you with another thread.... Make £10 a Day Challenge :rotfl:

Not much happening in the debt busting front since getting the 0% cc deal. Think i have managed to cover the gap in the September budget so back to square one on my treat pot

Uuurgghh this just seems like such a slog sometimes but light at the end of the tunnel ......one loan finishes this month and another next which means we can throw some £££ at the debt but still be able to manage the odd treat - have come to realise that I am not one of the super dedicated mse'ers that can rack up 25 NSDs a month and live on a grocery budget of £15 a month - well someone has to keep the local takeaway driver in employment - I consider it a public service rather than unnecessary frittering of ones income

FalseEconomist

Tee-hee. We had a takeaway pizza last night- didn't want to confess on my own thread as already had a lot to fess up to so thought I'd hide it here on yours. Feel a lot better now- I'll go to MSE heaven after all lol!

scotdebs

Well final payment for a loan went out my account today :j no 2 of 14 bites the dust:T

Will update list of shame nearer the end of the month as I should be getting my cc statements in over the next few days. Only 12 to go:rotfl:

FalseEconomist

Hooray! :j


Consider yourself awarded a MSE Gold Star. Not really. I don't have that sort of power.

Now, if you're looking for something to spend the extra money on, there's a lovely pair of shoes in a shop near me..........