your opinion.. what shall I do?

Little_Pickle

Hi guys...

No problems or anything, just would like to know what you would do?

I have a spare 84.00 GBP this week that I can put into paying my credit card.

Now, I get paid on Friday and will be making a payment anyway BUT would you make a payment now and another on Friday, or wait until Friday and pay one bigger amount???

I can't decide.

I'll get the satisfaction today of taking a little bit more off the debt if I do it today = instant boost!

OR I'll have an even bigger boost on Friday when I pay a larger sum to the credit card.
There is always the possibility that I could start to spend the 84.00 (if I was being naughty)

what would you do???
Thanks for helping me decide!!

xgingerx

Hi if its Spare Spare money over at the end of the month and you still have the money to make your normal payment our of next months pay, I would pay it off today, instant buzz.

If you are struggling for next month wait till u get your bill and use it to cover your monthly agreement.

Hope this makes sense

immoral_angeluk

plus if you pay it now you may pay a teeny tiny little bit less interest.

smudgemanc26

Well if it was me id have to pay it asap as that money would burn a whole in my pocket! But you probably have more will power than i do.

If you know your not going to spend it wait till friday but if you are easily tempted pay it today

HairyHandofDartmoor

Do it now in case you spend it. You will get a buzz from making 2 payments in one Week!

Shineyhappy

I always have to go to the bank straight away to make any extra payments as the money just burns a hole in pocket and I just want to put it to some good use!

I am waiting (not at all patiently) for a refund of 86 pounds and I cant wait to go to the bank and pay it in! Then fingers crossed I will get a refund for my bank charges (only 450) but that should just about wipe out my MS card. Wahey!!!

Little_Pickle

right, that's it then.... I'm off to pay it (on-line) back in 5...!

Little_Pickle

YAYAYAYAYAYAYAY! I paid £83.84!!!

This takes my Credit Card debt from £1,613.84 to £1,530.00!

Not much, but it makes a difference!

I’ve changed my signature too…
After Friday, my total debt should be under £3,500.00 and that will be a really nice feeling!

Thanks guys for giving me a push!

LookingAhead

Hi LP.

It's good that you paid the money because I always found it a psychological boost to see the balance falling below the next "whole" number if you know what I mean.

Now you are under £1600....if you can find (theoretically speaking of course) just another £31 it would then bring you under £1500. Just as an example.So always paying off those little bits extra is always worth it....you can see the amount tumbling before your very eyes!

Well done though! :T

x_raphael_xx

I love it when I go past the next whole number, I've just gone from £6312.97 to £5933.16 (Paid off my Overdraft), so now I'm UNDER £6000! It's such a boost to see it drop.