Small Steps Out Of Massive Debt!

lostmyusername

It sounds like a sensible decision for you to stay put at the moment. A few good fans, an open window and a bottle of frozen water in front of the fan can work wonders. 

GeorgianaCavendish

lostmyusername said:

It sounds like a sensible decision for you to stay put at the moment. A few good fans, an open window and a bottle of frozen water in front of the fan can work wonders. 

The fans have been ordered! Good tip about the bottle of frozen water in front of the fan too. 

GeorgianaCavendish

April 2020 Debt Totals - £13,114.86

It's been ages since I posted debt totals and I thought that since I've repaid some and restructured others that it's a good opportunity to pop some figures up. 

HSBC - £5,500
0% rates in order that they will be paid off (HSBC applies payments to the oldest balances first) 

• £489.35 exp Apr 2021
• £1,749.30 exp Sep 2020
• £514.50 exp Sep 2020 
• £1,425.17 exp Aug 2020
• £1,321.68  exp Aug 2020 

TESCO - £1,429.87 
0% until April 2021 

MBNA - £6,184.99 
0% until April 2021 

EssexHebridean

Some great solid thinking in that post with the update GC- yes, now isn't the time to be thinking about a house move although I will say don't rule it out for a little later in the year - the housing market might look quite interesting at the other side of this, I suspect. 

Also fantastic work getting everything on to 0% now as well - that must feel brilliant! 

GeorgianaCavendish

EssexHebridean said:

Some great solid thinking in that post with the update GC- yes, now isn't the time to be thinking about a house move although I will say don't rule it out for a little later in the year - the housing market might look quite interesting at the other side of this, I suspect. 

Also fantastic work getting everything on to 0% now as well - that must feel brilliant! 

Thank you EH, it feels FANTASTIC to have everything on 0% at long last! 

The fans arrived today, we’ll be assembling them this evening. I’ve got to venture out to the supermarket tomorrow for essentials but the social distancing measures seem to be deterring the curiosity shoppers so it shouldn’t be too bad.

EssexHebridean

Yes - we're trying to establish the best times to go now as people seem to be spreading things out across the day a lot more than they were. We needed odds and ends last night so walked through to Tesco - no queue to get in, not many in store (we were even allowed to go in together which felt delightfully normal!) but the queue for the checkouts took longer as of course less open in the evening - although we did realise too late that there is also a second queue for those who just had a basket which we could have used! 

Naomim

GeorgianaCavendish said:

lostmyusername said:

It sounds like a sensible decision for you to stay put at the moment. A few good fans, an open window and a bottle of frozen water in front of the fan can work wonders. 

The fans have been ordered! Good tip about the bottle of frozen water in front of the fan too. 

You have reminded me to order some fans. MrM and I have a ceiling one but 10 year old's conked out last year and 14's is a bit knackered.

GeorgianaCavendish

EH, the shops close to us have really calmed down this week. There are queues outside but that is due to the social distancing measures in the stores, so once I get in it is a much better experience. Long may it continue! 

Naomi - the weather has been so warm the last few days, it is really at the max of what we can tolerate in our flat without fans or aircon so I'm really glad that we did buy them already! I'm really pleased with the fans we ordered (the pedestal fan was less than half price on Amazon because it had some "minor cosmetic damage" but I really can't see where the damage is, so very happy with that!) and we also ordered a couple of usb fans that can plug into our laptops for when we are working. I think these ones will have the added benefit of giving a bit of a music video feel if I'm on a Webex - haha! 
The last thing on our list is to get some of that mirrored film stuff for our living room windows to bring down the temperature a bit more. 

Naomim

GeorgianaCavendish said:

EH, the shops close to us have really calmed down this week. There are queues outside but that is due to the social distancing measures in the stores, so once I get in it is a much better experience. Long may it continue! 

Naomi - the weather has been so warm the last few days, it is really at the max of what we can tolerate in our flat without fans or aircon so I'm really glad that we did buy them already! I'm really pleased with the fans we ordered (the pedestal fan was less than half price on Amazon because it had some "minor cosmetic damage" but I really can't see where the damage is, so very happy with that!) and we also ordered a couple of usb fans that can plug into our laptops for when we are working. I think these ones will have the added benefit of giving a bit of a music video feel if I'm on a Webex - haha! 
The last thing on our list is to get some of that mirrored film stuff for our living room windows to bring down the temperature a bit more. 

I went straight on and got a fan for 10yo's bedroom.  👍 I di have a USB desk one at work, think I'm reaching a certain age!🤣 . I'll see how we go with working from home.  Our downstairs is all open plan and we have shutters on the windows. So although its usually cold in the winter, it stays fairly cool in the summer. 

PositiveBalance

Hello milady!

I've only just managed to get signed back in here since the changeover and I have tried posting twice on your thread today and neither time has worked!

I'm going to post this to see if it's still not working before I say any more.

*Crosses fingers*