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

immoral_angeluk

Just sorted our car insurance. £34.15 a month with AA, £36.78 deposit which I've just paid... protected no claims, and £70 back from quidco..

Wooooo! Now to cancel our current insurance..

immoral_angeluk

Right all sorted.. Apparently we're all paid up with our insurance now so there's no more to pay and it's going to be cancelled from the renewal date. Sweet as... just need to wait for our stuff from the AA now and for our cashback to track

I LOVE quidco..

Edit.. just realised that by doing that we won't be able to pay off Citi in full next week.. but will only be about £30 short.... so either way we'll still only be a week or so away from paying it off totally. :T

JET34

Morning IA,
Great news about getting rid of citi next week!! your be on to baclaycard before you know it!!! and well done on the car insurance...... I am kind of glad I don't drive given how expensive it is.... I wouldn't want to think how much debt I would have if I did.

Ellidee

Great news Sar on Citi it must feel really good especially knowing that your dear Mum helped you to achieve this. XX

nonns

Couldn't help but notice that Barclaycard is charging you 19.9%. They were doing the same to me but I called them up and said look you're issuing cards at much lower interest rates. I'm sure another lender would be happy to carry my debt instead of you. Why not make me an interest rate offer on my existing card that I can't refuse. They promptly dropped the rate to 9.9%. It took 5 mins.

I am fairly credit worthy (though I've got huge debts) however. Its worth a try though.

If you've done this already please accept my sincerest apologies for an attempt to "teach my grandmother to suck eggs"

immoral_angeluk

JET34 wrote: »

Morning IA,
Great news about getting rid of citi next week!! your be on to baclaycard before you know it!!! and well done on the car insurance...... I am kind of glad I don't drive given how expensive it is.... I wouldn't want to think how much debt I would have if I did.

Know what you mean about the car... currently for the car we pay..

£160.50 a month.. £1926 a yr
At least £40 a month in petrol £480
£34.15 car insurance a month £409 a yr
£100 a yrat least MOT
£160 a yr service
£150 a yrtax...

So you're looking at £3225 before you add in any maintenance bit such as wipers, tyres etc or repairs.... :eek: :eek: :eek: :eek:

immoral_angeluk

nonns wrote: »

Couldn't help but notice that Barclaycard is charging you 19.9%. They were doing the same to me but I called them up and said look you're issuing cards at much lower interest rates. I'm sure another lender would be happy to carry my debt instead of you. Why not make me an interest rate offer on my existing card that I can't refuse. They promptly dropped the rate to 9.9%. It took 5 mins.

I am fairly credit worthy (though I've got huge debts) however. Its worth a try though.

If you've done this already please accept my sincerest apologies for an attempt to "teach my grandmother to suck eggs"

I've actually asked before but they basically said bog off... also the fact that they cocked up my direct debit and I'll now have late payments on my account makes them even less likely to do anything for me...
Can't wait to pay it off and tell them to take a long jump off a short pier...

immoral_angeluk

Woohoo! £70 cashback from the car insurance has tracked got nearly £600 in all the cashback accounts now!!! :eek:

Snaggles

When it all pays out, it will give you a massive push towards clearing the cards! You might even have enough to clear the Barclaycard by then!

poodlehorse

Well done Sarah, you should have Citi paid off asap and once all that Quidco and TCB comes in Barclaycard is history soon after. When does the 0% deal run out on Egg? Would they up your limit yet? What APR will Egg be when the deal ends? I am going to send you a PM so watch out for it.

Sayonara Citi!!!!