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Mood swings

edited 30 November -1 at 1:00AM in Credit Cards
1 reply 523 views
Shakin_SteveShakin_Steve Forumite
1.8K posts
1,000 Posts Fourth Anniversary Name Dropper
edited 30 November -1 at 1:00AM in Credit Cards
With regards to credit, does anyone else have 'mood swings', like me?
I sat doing some numbers yesterday afternoon......what was in the current accounts, savings accounts, etc. Then I looked at the balances on the credit cards...not huge, but about £3.5K.
Two of them on 0% deals and one set to pay in full each month.
So I thought 'Why am I carrying balances on credit cards when the money is in the bank?' So I paid them all off. Made me feel good, for a while. Then I realised I'd paid good money to transfer the money from the cards to my current account in the first place. :D

In a couple of months I'll want to buy a big ticket item and I won't fancy reducing my bank balance by that much. Guess what I'll probably do then?:o
Like I said......mood swings.
I came into this world with nothing and I've got most of it left.


  • Terry_TowellingTerry_Towelling Forumite
    2.3K posts
    1,000 Posts Name Dropper
    Hmm. Not sure what to say to that. I think we all have mood swings - but not like the one you've just had - it's more like memory loss than a mood swing.:)

    Looks like you'd started a line in stoozing and then forgot all about it. From what you say, it sounds like you also had to pay a fee to do the money transfers from the 0% cards to your current account.

    Oh well, in a couple of months you can just buy that big-ticket item using one of the 0% credit cards and, apart from the loss of the transfer fee, you're back to where you were - more or less.
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