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  • suki1964
    suki1964 Posts: 14,313 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ak92 wrote: »
    Yes I do have online banking, I also have an app like that called spendlytics through Santander. Does pretty much what you described.

    My aim is to increase my credit rating so that when it eventually comes to the point of me applying for a mortgage, I will seem like a 'reliable borrower.

    Thanks for your advice and long may you be debt free

    Good luck on your journey

    Just remember , set that direct debit up straight away and if, like me, you feel you can be easily swayed into buying stuff which is just a want and not a need, leave the card at home when going out
  • I might be a bit late on this but you can get £31 cashback if you successfully apply via Quidco.
  • suki1964
    suki1964 Posts: 14,313 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I might be a bit late on this but you can get £31 cashback if you successfully apply via Quidco.

    I done that as well

    Should be getting the money in September :j
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