Why Walk When You Can Fly

jwil

I'd clear Cap 1, unless it looks likely that you'd need the EF. You could use it if you had to in an emergency, but otherwise, you could just build up the EF pot again and concentrate on the others.

[Deleted User]

It is something to think about, I don't want to do anything too hasty and then realise that I may need the EF.

Had a small result, cancelled my phone insurance so I have saved £9.30 there :j

HairyHandofDartmoor

£9.30 is worth saving .

[Deleted User]

Morning,

DH's 50th birthday today and he loved all of his presents, out for dinner tonight too.

I did it....I bit the bullet and paid the last odd £10 off the Lloyds card...I couldn't resist and may regret doing so next week but that has given me the incentive now to pay the odd £50 off the MBNA now.

With regard to the Cap One card, no DH won't close it, he sees it as an 'if needed' card. Thankfully I've hidden the other ones.

I can't figure out yet whether to just pay off the card and wonder if I need to play with the figures on my pots spread sheet to see if I can move money from another source so my EF isn't totally depleted.

DH has an eye appointment tomorrow at the hospital, I'm worried about it but keep telling him that he'll be fine.

I'm keen for February to start, so I can make headway on my goals.

jwil

Happy Birthday to DH

HairyHandofDartmoor

Happy birthday to DH :bdaycake: and I hope he gets on all right at his eye appointment tomorrow.

Can you use the Barclaycard for emergencies and close the Cap 1 card? Or have you already closed the Barclaycard? I always feel empty CCs are dangerous as it's tempting to fill them up again, but that may be just me .

debtaghh

Hope DH had a nice bday and all goes well at the hospital tomorrow x

[Deleted User]

Morning,

DH's appointment went as well as can be expected on Friday, the drops he was given have worked in the respect that his pressure was back to normal, however, the consultant has said DH has pressure related glaucoma and as such will be on drops for the rest of his life, he just waiting on a referral to see how they want to do things.

In other news....DD had a great time at her friends for her sleep over and DS had an impromptu sleepover at his friends, so DH and I had a rather peaceful Saturday night.

I have done some money shuffling and rather than pay the Cap One card off, I have opted to pay the £250 off the MBNA instead. Once that hits the bank, I will transfer it over.

That puts us on £14,900

I have brought my lunch with me today and I am determined to make this month count.

[Deleted User]

Morning,

Had a really good nights sleep last night and feel quite happy too.

The money hit the bank over night, so I have now paid that off the MBNA, I love seeing rounded figures in my signature :rotfl: although that will change once the Cap One card statement arrives.

I won't be able to make anymore payments now until the end of the month, and I won't be able to make any bulk payments until the CC pot builds up again The Cap One card is next in the firing line to be cleared and as much as I'd like to clear that one now, I don't want to skint ourselves doing so.

I had one AFD last night

I have a tin of soup in my drawer, so I just brought some bread with me to go with it for lunch.

DD is making quiche at school tomorrow, so I can bring some of that to work with me for lunch....if it survives the trip home lol.

Back later xx

hugglemonster

Glad you're feeling better, I find that I'm happy when I make a nice payment and then the next day feel a bit flat as there's so long until I can make the next one.

Great news about being under £15,000!

Hope dh eyes don't give him too many problems.

Have a good day at work, H x