Thistle grasps the nettle! Again....and no sting this time!!

Thistlewhistle

Evening all,

Well finally, I've managed to get both my business budget and my personal budget all up to date on YNAB and the dog can finally see the rabbit so to speak. Suffice it to say, there's quite a lot of spare money floating around in budgeted accounts for my business that I don't need any more so I'll be transferring that out as drawings to the personal account where I can attack the CC debts.

So the debt as it stands at the moment is as follows:

£4,250 T3sco CC (Rate = 0% until March 2017) (New Balance transfer Card)

I will be paying this off in such a manner as to leave at least £3,000 in my S@nt@nder 123 account to keep the 3% interest rate but should be able to clear at least £1,750 by 31/10/2015 if I pull my reins in somewhat.:T

debtfreeoneday

I want just saying on SJ's thread I was going to look at the Tecco CC again, and if it has a balance transfer offer on, all the better as my current 0% runs out in April and it won't be clear!

Thistlewhistle

debtfreeoneday wrote: »

I want just saying on SJ's thread I was going to look at the Tecco CC again, and if it has a balance transfer offer on, all the better as my current 0% runs out in April and it won't be clear!

Hi DFOD,

I just spotted the offer on Martin's page after the forum logged me out and I had to log back in again. I was surprised by the amount of credit they gave me to be fair, but it meant I could consolidate all my pre YNAB debt onto one card.

My 1-2-3 CC 0% deal runs out on 27/09/2015 and my H@lif@x CC is about the same. Now I have 19 months to pay off £4250 which is about £224 per month but I plan to have it nailed long before March 2017

T;)

Thistlewhistle

Operation FreezerMunch is carrying on apace. I'm aiming to live on a grocery spend of only £100 this month and so far I've spent £41.73 (mainly on milk, bread and fruit and veg). Everything else is coming out of the freezer and boy have there been some exciting finds, and several "I certainly don't remember buying that!" moments.

Ostrich burger anyone?:rotfl:

T;)

debtfreeoneday

Thanks for that, that's helpful, there wasn't an offer on TCB, but I will look on MSE again.. msut check when I cancelled the Tecco card as you can't have another for 6 months!

Thistlewhistle

Just taking time to sit down with a cup of coffee before I have to go out to visit a colleague. Need to be there for 5:15pm and it'll take a good half hour with it being rush hour.

Nice to have a quiet 15 minutes!

Money news: my balance transfer still hasn't registered with T3sco.com - I'm checking every day. They've given me a repayment day of 1st which is when all my other DDs go out so that could have fallen better!!!

Went out for pub lunch with some friends and had to pay cash for my meal and drink as it came to £9.95 (already budgeted for!!!) and the credit card minimum limit was £10. So now I have 37p in cash (and that's only because I found a previously undiscovered 50p piece in my jeans this morning!)

She wouldn't even wave it for 5p, miserable bar lady!! I'd bought a meal and a drink for goodness sake, what more could I have been expected to buy?

sarahevie1

Thistlewhistle wrote: »

Operation FreezerMunch is carrying on apace. I'm aiming to live on a grocery spend of only £100 this month and so far I've spent £41.73 (mainly on milk, bread and fruit and veg). Everything else is coming out of the freezer and boy have there been some exciting finds, and several "I certainly don't remember buying that!" moments.

Ostrich burger anyone?:rotfl:

T;)

I've been eating out of the freezer too, but decided to succumb to aldi tonight as just need something chosen iyswim. Sick of lasagne, pie, chicken in various sauces.

Thistlewhistle

sarahevie1 wrote: »

I've been eating out of the freezer too, but decided to succumb to aldi tonight as just need something chosen iyswim. Sick of lasagne, pie, chicken in various sauces.

Feeling your pain! I'm overdosing on river cobbler and bright yellow haddock!! Why did I buy so much?:rotfl:

gallygirl

Thistlewhistle wrote: »

Feeling your pain! I'm overdosing on river cobbler and bright yellow haddock!! Why did I buy so much?:rotfl:

Could be worse, could be icecream .

debtfreeoneday

We found a zebra pasty last year that DH had decided to buy on a whim! Needless to say I didn't eat it!