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Unsure whether to consolidate - please advise

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  • mcpitman
    mcpitman Posts: 1,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    @zippygeorgeandben check out the open source versions of excel available for free.

    I use OpenOffice at home. https://www.openoffice.org/ 

    Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....
  • bargainbetty
    bargainbetty Posts: 3,455 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    If you go to Office.com and create an account, you can use Excel for free on their web app. It means you can't store it locally and you have to be online, but it might help for now. 

    Good luck x
    Some days, it's just not worth chewing through the leather straps....
    LB moment - March 2006. DFD - 1 June 2012!!! DEBT FREE!



    May grocery challenge £45.61/£120
  • zippygeorgeandben
    zippygeorgeandben Posts: 1,277 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Thank you mcpitman and bargainbetty.
    Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @zippygeorgeandben lovely to hear from you! I found it a combo of fresh start and applying what I'd learned when I reached this point; and that was pre-pandemic! You're doing well.  The excel substitute will help.  Onwards and upwards Humdinger x
  • zippygeorgeandben
    zippygeorgeandben Posts: 1,277 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Hello hello hello everyone and HAPPY NEW YEAR.
    Special thanks to those of you who stick by me and pop in every now and then, even though this diary is not half as exciting as it once was!
    I hope we all had a good Christmas/Holiday period.  I need to lose all the holiday weight now (I'm sure if I looked back on previous posts from a year ago, I would have been messaging exactly the same thing!)
    Ok so cards on the table - spent some of my savings over the past three months.  I accept this decision and I am still writing down what I spend etc so I have that element of control.  I love the fact I have my savings with my sister as about £900 came out of that for a lot of December spends, but that's what it is there for right?  For those special moments.  It will start to build up again.
    I do have 2 CCs now (one with £1500 on it and one with £800 on it).  These are interest free for around 24 months.  I could clear them with what is in my current account in one fell swoop but as they are interest free, I would rather just leave them as they are.
    Anyway, I wish you all peace, happiness and love for 2022.
    Ben
    Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS
  • Dobbibill
    Dobbibill Posts: 4,193 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi Ben, 

    Happy New Year to you too. How lovely to hear from you as we enter another year.....I too am wishing the lbs away from the Christmas festivities. 

    Glad to hear you have the control still there and the funds to pay off the CCs if you want to. 

    All the very best for 2022 to you too. 

    Dobbi ;)
    I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    If you can't be the best -
    Just be better than you were yesterday.
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Late to the party Ben but wishing you a happy healthy 2022! You've got this.  Humdinger x
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Even later here but glad you're still coming on here. How's the flat share going?
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • zippygeorgeandben
    zippygeorgeandben Posts: 1,277 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Hello everyone. My word my word lots going on. Finances I’m definitely not keeping up with accounting for the pennies and pounds. Personal life has in the last couple of weeks taken a turn. Definitely for the better though! ❤️ 
    Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Love is in the air Zippy! Fab update.  Love Humdinger x 
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