Newbie DFW! (long post, sorry!)

pinkkaz

How long do you have your 0% graduate overdraft limit for?

I don't know if you'll be bothered enough to do this but you should really bargain hard when it comes to mobile phones. When my mobile contract was up I was going to go onto pay as you go but when I said that to the O2 lady she suddenly started giving me loads of good deals! She gave me £100 free because I didn't need a new phone, and £10 off my bill for 6 months (£6 for 6 months followed by £16 for 6 months). I haven't had to pay any bills yet 6 months down the line! (still going through my £100 credit). Also use the phone at work as much as you can.

What does your travel bill consist of?

pinkkaz

monochrome wrote: »

Thank you, that is a BIG help!

I am still confused about how to move my overdraft debt to the credit card though? Can anyone help with this?

Get an Egg card (go through www.quidco.com and get £35 cashback - for free!) They allow you to transfer money from overdrafts (they also have a 0% offer on)

monochrome_2

0% graduate overdraft is until next june

travel bill - £87 for a month's commuting (that's the cost for a travel card, so cheaper than buying train tickets each day), plus bus/train journeys into town