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Why Walk When You Can Fly

edited 11 September 2018 at 10:18AM in Debt Free Diaries
566 replies 32.7K views
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  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Morning,

    What a start to the day, massive accident on the M4 which resulted in me crawling to get off at my junction, but they have managed to clear it pretty quickly now.

    Heard from another recruitment agency on Friday, they want to put my CV through for a residential builders that are doing a 6 year project in Oxford, so I said yes, always worth a look.

    Had to buy the kids new school uniform on Sunday, mainly for DS as he's nearly as tall as me now and the ones he was wearing made him look like he'd been out in the rain too long and they'd shrunk :rotfl: DD also needed new shoes...the purse was a lot lighter after that!!!

    Plus we bought DH the rest of his birthday stuff and wrapped it up.

    DD went to a party on Saturday, I was a bit miffed that the rest were allowed to stop over but she wasn't....DD wasn't bothered though as she is going to a sleepover this weekend at the old town at her friends house.

    I told DH that I am going to attempt a dry February, as January didn't go to plan with everything else that went on. The only day I won't be doing is the first of the month.

    Lunches, I have brought my lunch with me today, a ready meal out of the freezer that neither kid wants to eat (fussy!!)

    DH's rebate arrived over night so that has been sent to the car pot this morning.

    I need to write my list of things that need to get done this week/weekend. Once I have that I will post it so I can tick it off as I go along.

    Back later.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Paid £10 off the Lloyds card, so that is now down to £9510
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Morning diary,

    As most of my previous diary consisted of my DS and his shenanigans, this one won't be much different (sorry! Don't mean to bore anyone!). I have told DS that I am trying to trust him again but it will take time and that I will question & analyse everything that he is involved with especially if it also includes a certain someone who I definitely do not trust. He says he understands, I hate having to feel like this all the time with him but I can't and won't let it drop just yet. Plus I'm fed up of all the arguments between DH and DS.

    Teenagers!!!!

    Anyhow moving on.............

    Money shuffled and pots updated, very tempting to pay the odds off the MBNA and round it down to a nice £5K but I want to save it until I have enough to pay off the Cap One balance instead, logical??

    I've brought my lunch with me today.

    DD has a sleepover this weekend, they are going to Wagmama's (sp?) which I have heard is a Chinese restaurant....that'll be interesting with little miss fussy pants.

    DH got knocked back on one of his PPI Claims, I doubt he'll take it further as he's not got the evidence anymore that they've asked for.

    Nothing much else to report, so far and I am still thinking about my list of things that need sorting this week.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Lucifa73Lucifa73 Forumite
    7.7K posts
    Part of the Furniture Combo Breaker
    ✭✭✭✭
    Money shuffled and pots updated, very tempting to pay the odds off the MBNA and round it down to a nice £5K but I want to save it until I have enough to pay off the Cap One balance instead, logical??

    If they are all 0% do whatever will keep you motivated.

    (I tend to lurk but wanted to say I think you are doing great!)
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073


  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Lucifa73 wrote: »
    If they are all 0% do whatever will keep you motivated.

    (I tend to lurk but wanted to say I think you are doing great!)

    Thanks Lucifa, the BC isn't on 0% but is the smallest balance :)

    Thanks for coming out of lurkdom too, nice to know that I'm not always rambling to myself :rotfl:
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • Lucifa73Lucifa73 Forumite
    7.7K posts
    Part of the Furniture Combo Breaker
    ✭✭✭✭
    If the MBNA is on a higher rate it would be more money saving to clear that first... Is the extra £150 going to take much time to accumulate? Then you can snowball the MBNA monthly payment into the next one and wipe out that odd £250 quite quickly so you'd see 2 cards gone in quick succession. Well, that 's what I would do anyway.
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073


  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Lucifa73 wrote: »
    If the MBNA is on a higher rate it would be more money saving to clear that first... Is the extra £150 going to take much time to accumulate? Then you can snowball the MBNA monthly payment into the next one and wipe out that odd £250 quite quickly so you'd see 2 cards gone in quick succession. Well, that 's what I would do anyway.

    The MBNA is on 0% until Sept and the Lloyds one is on 0% for another year. I'm keen to get the MBNA cleared as much as I can up to the deal runs out, then transfer it over to the Lloyds card.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Lucifa73Lucifa73 Forumite
    7.7K posts
    Part of the Furniture Combo Breaker
    ✭✭✭✭
    In that case clear BC (or is it CapOne looking at your sig?) and then snowball into the 0% you need to pay most to clear which would be MBNA :D
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073


  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Lucifa73 wrote: »
    In that case clear BC (or is it CapOne looking at your sig?) and then snowball into the 0% you need to pay most to clear which would be MBNA :D

    Yes the Cap One....Senior moment :rotfl:
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    I have enough between the CC overpayment pot and the EF that I can clear the Cap One card now, but that would leave the EF brassic.

    I could then come February pay day -

    Pay £250 off the MBNA, or £200 if I have cleared the £50 target I set myself.
    Pay £100 off the Lloyds, as per normal
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
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