My so called friend MR DEBT only has 36 months left to live

12_month_challenge

:wave:

Hello all, I hope you all haven't frozen to death :eek: My word its cold out there today.

Have been quite productive today (I think) I have moved a CC that was on 6.9% life of balance to 0%

I telephoned my CC company and the lady said I can have a 0% deal for 12 months. I politely declined but thanked them for the recent increase that have just given me

She then replied "Oh hang on there is another 0% deal thats just popped up" (how convenient)

Anyway she then said I can have 0% for 30 MONTHS :T

That pays off another CC saving me £40 per month in interest
Although I had to pay a fee for the pleasure, in the long run it works out better.

Will need to do a new snowball

I am actually scared of CCs now :rotfl:

Will update a little later when I have a new snowball and have done the ironing

Edit: Have roughly worked out that I will save approx £1,200 in interest

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Having just checked CCs I now have:

• CC1 £12,000 @ 6.9% LOB
  
• CC2 £10,707 @ 0% July 18
  
• CC3 £7,143 @ 0% March 18

CC1 is the one I aim to tackle now :eek:

OMG it makes me feel very looking at this

On the bright side I have 2 statements still to come this month yet. In the long run I will save money on interest. (just trying to make myself feel better)

Upsidedown_Bear

Good evening, hello :hello:

Well done on getting a 0% deal for 30 months :T and saving £1200 interest :T:T That's :j
Just to point out that £1200 is 10% of CC1 :cool:

Haven't frozen here but it's pretty cold, brrrrrrr.

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Upsidedown_Bear wrote: »

Good evening, hello :hello:

Just to point out that £1200 is 10% of CC1 :cool:

Thanks thats a good point. My plan is to pay the £40 I save in interest per month off CC1

Note to self, keep plodding onwards and upwards

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:hello: Hello diary world

I am just posting a short one as I am still waiting for my CC statement to arrive. Its due today and I am waiting, waiting, waiting, :whistle:

The last time I posted whilst I was waiting it came through so I am hoping it works again

How impatient am I :rotfl:

My balance transfer has gone through now so a bonus there.

Will not go to bed until it arrives (oh the exciting things in my life)

Upsidedown_Bear

Has it arrived yet? :dance:

Good evening, hello :hello:

12_month_challenge

Upsidedown_Bear wrote: »

Has it arrived yet? :dance:

Good evening, hello :hello:

:rotfl:

Nooooooooo :mad:


They will get so sick of me logging in they will do it :rotfl:

Upsidedown_Bear

I am being patient :cool:

Doris17

Well done on the balance transfer and the intrest saved.:j

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Thats exactly how I'm feeling :rotfl:

My new target CC is a BIG one :eek:

£12470 Have just transferred £600 of it to 0% for 30 months. Its all I had left available to transfer.

This is the one I am waiting to pay (tonight) quite a bit over the minimum every month now (snowball recommended)

Will do a survey whilst I wait