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Tales from the city
Comments
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Wow ani*fan you're up early on a sunday morning! It's good that you still saw your friend but saved money
Well done for getting under 17k :T and hope you get that amp sold. Mortgage 26.4.25 - £108,500 1.9.25 - £105,664.31
Mortgage overpayment savings - £16.08/£50
Mortgage overpayments so far - £800.960 -
Re advertise your amp....he has had long enough:)Be the change you want to see -with apologies to Gandhi
In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
'On the internet no one knows you are a cat' 
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My amp is still sitting here and no word from my buyer. Igamogam I think you're right, I need to re-advertise it.
I've been checking my CC accounts and have realised that I have £440 credit between my Virgin and M and S cards. When I add in my emergency fund, this means I have over £500 credit so really, I could get rid of my Cap 1 card and still be ready for a crisis.
Or, maybe I could phone them up and negotiate a greatly reduced interest rate? My other 2 cards are at 19.9% so if I could get them to go lower than that then I could do some juggling and save some pennies on interest. However, I do like the idea of having one less account to check when I'm obsessing over money. I would love to simplify it all.
Hmm...not sure. Common sense still says 'close the account'. Why is the thought of that so scary??If you know you have enough, you're rich.0 -
Also just realised my mini target of paying off Cap 1 by September 1st has been smashed by 2 months.
Yippee!! :j:j:j:jIf you know you have enough, you're rich.0 -
Brilliant going clearing the card. I'd call, say you want to cancel and see if they offer you anything to stay.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.0
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Great advice, INOD. :A
Just called Cap 1 and they tried to sell me a different card with a lower interest rate. It all sounded great until they mentioned the yearly fee...£120. I don't think so. I need to wait for my final payment to appear on the account before I close it (I think) so I'll wait for that to happen then do it.
Just thinking about it is bringing me out in a sweat.If you know you have enough, you're rich.0 -
Cap 1: Cheeky bOOgers!!Be the change you want to see -with apologies to Gandhi
In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
'On the internet no one knows you are a cat' 0 -
Cap 1: Cheeky bOOgers!!
Lol! Aren't they just? I'm kind of glad they didn't persuade me to stay, I'm starting to look forward to telling them to shove off. While I was on the phone they told me I was such a good customer as I had been with them for 7 years. :eek: This shocked the life out of me. 7 years of paying their outrageous interest rate, I must be off my head.
Anyway, my boy cat needs a new litter tray and it needs to be a big one due to his size. I saw one yesterday in a pet shop that looked perfect but cost £30. I'm going to try and find it cheaper elsewhere.
Happy debt busting day everyone. If you know you have enough, you're rich.0 -
I did it!! The account is closed!! :j:j:j
I just spent 17 minutes on the phone doing it, most of that on hold, but that 85p will be the last cash I ever spend on those crooks!!
Woo hoo!!!If you know you have enough, you're rich.0 -
Congratulations. That deserves a victory dance. Which one is next in the firing line?Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.0
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