My MF Mission 2015

Ali-OK

Sounds perfect - SJ kindly allowed me to copy his. Impressed with your roof lines!

shangaijimmy

You can have a copy of mind to start you off if you want? Ali if you can link it that'd help as I'm having some laptop issues and not sure how to do it from my iPad.

Ali-OK

I've no idea how to Possibly still the link in my diary though. I'll go check it out.

shangaijimmy

See if this works lippy
https://drive.google.com/file/d/0B-RWg-v4lfUuRENTZE5YOFdiVUU/view?usp=sharing

lippy1923

Wicked. That link works. Thanks a lot. I will start my own modifications tonight.

lippy1923

I'm going to have a complete shake up of the finances now.

The trip to Las Vegas looks like it's finally going to happen in April and the cheapest for flights and accommodation we have been able to research and haggle is looking around £1100 each! Then there is the spending money, grand canyon, attractions, food/drink and of course funding for my gambling addictions!

Overall I'm estimating around £3,500 needed. Which pretty much wipes my savings clean, leaving just the £20k Mortgage fund.

Very concerned as I still have around £3150 of 0% credit card debt to pay off. Think that deal ends in June 2016 so will need to find this money from somewhere. And my MOT and tax is due in March so if the car needs work that will suck.

I know it sounds silly to worry when the £20k is still there, but I really don't count this as money I have as it's earmarked to go to the mortgage next year. Would really hate to not be able to pay this chunk off when the time comes.

I was thinking of applying for another 0% cc to put the holiday balance on but to be honest I'm not sure I will get accepted for any more credit.
I already have 3 CC's with available credit of around £12k. Then I have overdrafts of another few thousand.
I don't earn a high salary so taking into account the available credit I have I doubt another company will offer me anymore.

Not sure what to do

lippy1923

Ignore my previous ranting post.

Good news is I applied for a new credit card online and got accepted, so 0% on purchases for another 2 years!

Also I investigated and my current cc with the £3k runs out in July, not June, so I have an extra month to help me :j

shangaijimmy

I class that all as a victorious Sunday. Good work all round!

lippy1923

shangaijimmy wrote: »

I class that all as a victorious Sunday. Good work all round!

Thanks SJ. I feel loads better now I have a plan. Keeping everything 0% really helps and it's a nice 27 months deal.

Of course I used the famous TopCashback Website for opening the CC and got £26.25 cashback. Already hit my account, just have to play the waiting game for a few months for it to become withdraw-able.

shangaijimmy

I trust the cash back is earmarked for the OP pot...