The One and Only Oktoberfest NSD Challenge!

t2rry

NSD #3 for me yesterday thank you please

mobo1980

Hello !!

Hi Caterina:beer:

I thought it was chilly yesterday too Kerry gt so really enjoyed my tea

Today is NSD 3/15as I am going nowhere today :j

Mobo xx

Knit_Witch

Well and truly on a roll here! I am claiming number 7 and 7 in a row please Marmite

(Welcome Caterina, pass down the Veggie Wurst will you - sun's over the yardarm .. ish :eek: so I had better get in the :beer:)

black_cat

NSD #4 for yesterday, please.
Power cut here for 20 minutes - maybe that saved me some money too!

t2rry

Might I ask you wonderful weirdo's a very MSE question????

If your answer is YES, please keep reading. If your answer is NO, please jump to the next comment!

QUESTION:

You will see on my signature a nasty little thing called a 'college loan'. This was a loan I took out for college (duh!) and it was set at a 10 year term. I took it out in 2008 so it should be paid off by the same month in 2018. I have overpaid at various intervals and to various degrees over the years and, if I were to continue paying just the minimum payment, it will be cleared a whole year early in 2017 (I think actually around 13 months early).

I don't know if banks even entertain requests such as this BUT...

Should I enquire about reducing my minimum payment? At present my minimum payment if £177.08 and it always has been. To have a lower minimum payment would free up some cash for me to throw at the credit card I am snowballing first....

what do we think?

t2rry

(I would like to point out that the loan, originally, was for £14,000)

marmiterulesok

Hi auntie t2rry I don't often comment on such things but surely it's best to pay off the loan/card with the 5% interest first?

I can understand your desire to have money saved,but if you used that as well,it would take it down a chunk.

marmiterulesok

I tried to post this this morning,but the computer was sulking.



:rotfl::rotfl:

marmiterulesok

The front page has been updated.

Knit Witch you've got a new prize. :j

stripeyjumpergirl

NSD 2 for me today