Need to get myself together: The beginning

monz

Yeah and to top it off I got him and my dad gave me another £20 saying it was from my grandad again. I need to stop by at weekend say thanks and bring him some lunch !xx

monz

So 22 days until payday... I swear I am not counting :P

I cannot wait to put extra into the loan and attack the Next Account haha oh and my America savings woo!!

Watching every penny like a hawk Going to T**o this weekend and I have been given vouchers for money off loads of things and extra points so need to get them on before the Christmas savers so I can buy the Hudl for my boy (I have $45 of points) meaning I only need to pay £10 to it

monz

Advice please?

I was thinking getting a 0% credit card (33 months it says at this) and was going to use it to clear my overdraft?

You think it would be a good idea or leave it?x

misstara

Hi monz, if you are currently paying for being in your overdraft and you're sure you won't get into any more debt by using the cc for anything else, then I would say probably go for it - makes sense to have the debt at 0%

monz

Thanks!!!I will apply the now and see how it goes. Was reading up on it through this site x

[Deleted User]

I would say its always better to have it on 0%

As long as you are strict with yourself & pay it off in time.

I have been a wee plonker before & got the 0% then paid off the rest of the cards then ran them all up again - whoops!

Dxxx

monz

As my granda has given me £40 over last couple days and I have got messages and paid off lotto for work and such... I decided pay the odds of £4.31 to my next account making it £180 I owe to it and £4.95 to my loan to make it end in 0. Every little contribution helps haha x

monz

Do you think if each month after interest is added and that if I keep rounding it off might pay off loan quicker as well... obv I will keep overpaying but the little £4 here and there I guess in a year would be like £48 approx extra payment in a year x

[Deleted User]

Whatever you save from anywhere just get it all paid to the debt.

Thats what I am gonna be doing each month just to try & get it down as much as possible.

Dxxx

abba1772

Is the 0% with b@rclaycard??? I did it a few months ago as my 0% was running out and managed to get one hate applying for credit always seems to be one eye open kind of moment for me scared to look ifkwim lol even tho my credit is good xx