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IA's 'Does my bum look big in this Debt?' Diary

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  • beanielou
    beanielou Posts: 95,759 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ooh IA Dont be distraught!!!!!!!
    In a moment of madness I made inquiries about a loan.
    Because it was under £5000 the APR was 15.9%.
    Yet the APR for over £5000 is 6.9%!!!
    So I said wow, dont even tell me anymore!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Snaggles wrote: »
    Sar, have you actually closed down the accounts you have paid off so far? Sometimes that can make a difference. Have you done a free trial with credit expert (through quidco or pigsback) - that will show you what accounts you have still up and running. Sometimes the 'available credit' you have can make almost as much difference as the actual balances you have outstanding, so it's worth writing letters to fully close down any accounts you have finished with.
    I tried but no matter what I did I could never get it to go through.... no idea why... Ste couldn't get it to work either. Ah well. We requested in writing that all the accounts be closed after paying them off but have only had confirmation of a few so god knows. :rotfl:
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    beanielou wrote: »
    Ooh IA Dont be distraught!!!!!!!
    In a moment of madness I made inquiries about a loan.
    Because it was under £5000 the APR was 15.9%.
    Yet the APR for over £5000 is 6.9%!!!
    So I said wow, dont even tell me anymore!
    jesus! lol!

    Don't worry I'm not all that bothered about it! lol!
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Ash is so funny. I turned around and she had taken off her trousers. She then took off her nappy and went and sat on her potty after I said 'do you want potty'
    She didn't do anything but she's getting it slowly. Clever girl. So we're back in pants again now!

    So potty count today...
    Accidents 0
    Tries on potty [STRIKE]1[/STRIKE] 3
    tries on toilet 1
    wees on potty/toilet 0
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    If she's happy to try going on the potty or toilet, that's half the battle - she'll be there before you know it. And at least it's summer, so you can wash and dry her clothes easily.

    Well done Ashli! :T :T
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    Well, when I say summer, I mean 'that rainy bit in between rainy spring and rainy autumn'..... :rolleyes:
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Snaggles wrote: »
    Well, when I say summer, I mean 'that rainy bit in between rainy spring and rainy autumn'..... :rolleyes:
    ...where you wash stuff and put it out on the line to dry only for it to bucket down and get soaked so it'd actually be quicker whacking the heating on so you can dry it on the radiator?:rotfl:
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    That reminds me - hubby has just put a new washing line up this morning (a retractable one from Lidl....woooo, fancy! :D) so I can put some things out to dry. And yes, no doubt later on this evening they will be on the radiator because they've got wet again in the rain!

    I know it's grubby, but I never re-wash them if they get rained on! :eek:
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    I don't either.. I'm not wasting electric and washing stuff! As long as it's not acid rain!
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    Yeah, acid wash denim is sooooo 1987!
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
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