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Debt Free by September 2014 - SOA included
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Right quick question for any of you that are banking and financially savvy. I've been looking through my past CC statements. When I hit the £3000 limit I cancelled the card and have been making the minimum repayments ever since. Therefore my balance has always been reducing (not much!) and my minimum payments each month are a few pence less. I would have presumed therefore that the interest charges would be less each month but this isn't the case. My last few interest payments have been as follows:
March 2013:
Balance: 2809.33
Payment: 56.18
Interest: 31.96
April 2013:
Balance: 2785.11
Payment: 55.70
Interest: 35.11
May 2013:
Balance: 2764.52
Payment: 55.29
Interest: 34.76
June 2013:
Balance: 2743.99
Payment: 54.87
Interest: 33.40
July 2013:
Balance: 2722.52
Payment: 54.45
Interest: 33.18
August 2013:
Balance: 2701.25
Payment: 54.02
Interest: 33.96
The ones I've highlighted in red are where the interest charged has gone up rather than down. Am I being really stupid and missing something here??
Thanks guys.0 -
Could be the number of days in the month between billing dates if the interest is calculated daily. But I'm not an expert, that's how our mortgage works0
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That might make sense. Hence March was low because February only has 28 days. Thanks my dear!0
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Well I'm on target for a NSD. Sat at home contemplating din dins. I've been rubbish today at make £5 a day and have nothing fir my sealed pot.
I don't have the motivation for eBay right now, plus I don't have the money to buy the correct size packaging to make sure Royal Mail don't charge a fortune!! Why can't they just keep the pricing simple??
I've done loads of surveys this afternoon which has earned me money but I'm not counting towards my challenge until its actually in the bank.
So really no news here. Took some cakes into work that I baked at the weekend which went down well with the guys. Didn't have any myself as I weighed myself this morning and have out on 10lbs since the wedding!!!!! I knew my jeans were a bit snug but didn't think it was that much, so operation shut my gob is also in effect!!0 -
Well it's nearly 9 o'clock and I'm definitely not leaving the house again so I'm going to claim this as a NSD and a victory!! :j:j
Hubby has gone out to hang out with his mate who lives round the corner so I've had a lovely evening on my own, listening to my sad songs, and reading diaries on here. Time on my own and listening to sad songs is one of my guilty pleasures. I'm not actually sad I just find them really beautiful. When I was at uni I would shut myself away for hours just listening to music for hours. So it's really nice for me when hubster goes out and I get to have some time for just me.
Kmight even be tempted to get my ukulele out in a bit and have a little sing a long!!!0 -
Bonjourino my dear diary. Just checking in on my lunch break.
Just finished all my surveys so I'm doing well there, even completed one which will pay £3! :j:j
I've decided that I need to get on with eBaying again. I keep putting it off as I can't bear the idea of tackling the spare room so I have set myself a challenge to list 5 items this weekend. It will be done!!!!
In other news I've printed off the instructions for exchanging my euro coins so I'll get that packed up tonight. Won't take it to the post office tonight though as I have to pay the postage (cheeky or what!) and today is a NSD so will have to wait till another day.
There's not been much debt busting action today, I did work out my 1% of my debt amount and since I started this diary I have paid off 4.22% of my debt!! :j:j:j That is such a boost! I printed off the squares so I can start colouring them in.
In other news hubby is in my bad books a bit. He went out to visit his friend last night, which is fine, I enjoy the time to my own. But he didn't get into ridiculously late and I found him this morning on the sofa! Apparently they had decided to drink a bottle of sambuca between them!! :shocked: It's ok for his friend as he's off work at the moment with a broken wrist but my hubby needs to be able to go to work. I got him up then went to get myself organised and I came down and he was making sandwiches. Nice idea but I had already made our pack ups which were in the fridge! He claims not to have seen the big lunch box shaped item in the fridge when he went to get the butter that was right next to it!! Grrrr!!!
So I started the day in a bit of !!!!y with him, but I've chilled out a bit now. I don't mind him going out and having fun, but it's a work night, why can't it wait until the weekend. It doesn't help that I hardly drink so I can't see the appeal. Anyhoo, I shall be suggesting he has an early night tonight and he can make the pack ups!!
Great British Bake Off is on tonight, so I plan to watch that and then make sure I'm all organised for work tomorrow and my hospital appointment. I've also got to get in touch with Tesco as they are advertising jobs in store and I tried to help Mother in Law apply for one but they aren't showing on their website. I've called about 3 times and they keep telling me they are on there but they can't show me where!
So to do list for the next few days:
*Thank you cards!!!!!!!
*eBay 5 items
*Send off Euro coins
*Laundry
*Sort out my makeup/toiletry side in the bedroom
*Hospital Appointment
That's enough to be getting on with, house needs a big clean as well really but I'll rope hubby into helping out with that.0 -
Just checking in before I head off to the land of nod. This evening has been spent being pretty chilled out. I've forgiven hubby for being a prat last night and I've stuck a big post it on the fridge saying "Lunch in Here!!".
It was absolutely gorgeous when I got home so me and the hound went for a really nice walk together, he got all the sniffing he had to get done and I had a good hour of unwinding time. The little pleasures in life are so worth it.
Got a job off my list (well half anyway), phoned my grandmother and got the addresses I was missing for our thank you cards. These are all ready to post now so shall we going out at the weekend. It was lovely to catch up with her. I lived with my grandmother until I moved here to go to university. My parents live overseas so when I was 9 I came back to the UK to go to school and moved in with Gma. I miss her loads and I really should make more of an effort to go visit her. We had a really nice catch up though which brings me to my next topic.
*Warning if there are any chaos reading apologies in advance as this might get a bit girly and intimate*
Whilst talking to Gma she reminded me again of something that she has been nagging me to do for a while. My aunt (Gma's daughter) was diagnosed with breast cancer at the end of last year. She has just finished treatment recently and is on the mend. The bad news is that now means that every woman on my dad's side of the family in the last 5 generations has had breast cancer at some point in their life and a couple also had cervical cancer.
Gma has been encouraging me to go to the GP to find out if I am eligible for gene testing to see if I have the breast cancer gene. I know I should do it, and if a friend of mine was in the same situation I would be encouring them to, but if I'm honest, I'm petrified. I already have cervical issues, I've not had a normal smear test since I started them 5 years ago and have to have a colposcopy every 3 months, which nearly always means I have a biopsy done. The area of abnormality is high up in my cervix and can't be treated unless I have a general anaesthetic, I opted to go for increased screening rather than the op and thankfully it's not got any worse but it hasn't got any better either. That's actually why I'm off to the hospital tomorrow, for my 3 monthly check.
I'm just not sure I could face it if I do have the gene to have to make a similar decision, surgery or screening. It really gets me down always having to go to the hospital and the worry before each time that it will be worse is intense. I know I might not even be eligible so I could be working myself up over nothing, but it is scary. Hubby is supportive but only in the "whatever decision you make I'll support you" kind of way. I probably just need him to make the decision for me and march me down there.
*Relax now chaps, girly bit over!*
In debt busting news:
Today has been another NSD! :j Yay! Go me! Tomorrow will not as I need to pay for parking but hoping it won't be more than £2.
I've been planning my baking activity for the weekend. I've got 2 lemons left so think I will make either lemon shortbread biscuits or lemon whoopie pies. Actually as I've got 2 lemons left I could probably make both!:p0 -
It's difficult when you aren't in a situation to really understand how it feels. I would suggest go and see you GP for more info, you don't have to have the test but it is best to make an informed decision with professional advice. And even though going to the hospital sucks, at least you will catch anything early (ie when it is treatable).
At the end of the day only you can decide what yu want to do and at least you have a supportive husband to hold your hand0 -
Hey wegle, well my mum died of breast cancer and I have had two cysts surgically removed from mine so I have an inkling of how you feel. If I could get them to test me, I would but they don't think I'm a high risk. I suppose you can look at this like your debt: if you don't sit down and get all the information together, you cannot tackle it. Having the test done would give you the information you need to make the best decisions. Given that you have seen what this disease does, I know you want to prevent it rearing it's head in your life. Right now you're petrified of the possibility and semi sticking your head in the sand which I doubt anyone here would struggle to understand. We all do it. But given your family history, it's important that you know the deal and it is amazing that they have found a genetic marker to help women in your position.
Courage grasshopper - you can do it. XxCredit Card Freedom gained 14 Feb 2014!!Total Debt Freedom gained 29 Apr 2014!!Savings goal 30/9/23: £72,000/£538,001.....yes I'm serious!Total Debt August 2013: [STRIKE]$21,587[/STRIKE] April 2014: $0!!!!:j0 -
FacelessNumber wrote: »It's difficult when you aren't in a situation to really understand how it feels. I would suggest go and see you GP for more info, you don't have to have the test but it is best to make an informed decision with professional advice. And even though going to the hospital sucks, at least you will catch anything early (ie when it is treatable).
At the end of the day only you can decide what yu want to do and at least you have a supportive husband to hold your hand
Thanks Faceless. Yes an informed decision is called for, I've done loads of reading online, but until someone actually talks me through it I'm not going to be informed enough.Hey wegle, well my mum died of breast cancer and I have had two cysts surgically removed from mine so I have an inkling of how you feel. If I could get them to test me, I would but they don't think I'm a high risk. I suppose you can look at this like your debt: if you don't sit down and get all the information together, you cannot tackle it. Having the test done would give you the information you need to make the best decisions. Given that you have seen what this disease does, I know you want to prevent it rearing it's head in your life. Right now you're petrified of the possibility and semi sticking your head in the sand which I doubt anyone here would struggle to understand. We all do it. But given your family history, it's important that you know the deal and it is amazing that they have found a genetic marker to help women in your position.
Courage grasshopper - you can do it. Xx
HOK3Y - So sorry about your Mum. It is an awful disease, I'm lucky that my grandmother, aunt and great aunt all came out the otherside. It is amazing that these genetic tests can be done, and my sensible logical head keeps telling me to get on with it, but yes, a bit like debt I'm having an ostrich moment over it.
My aunt is coming down to visit sometime in the next couple of weeks so I might sit down with her for a bit and have a really good chat. She works for the NHS (albeit in a different field), so she's likely to have a good understanding of how these things would work as well.
Thanks again guys! :Dxx0
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