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Why Walk When You Can Fly

edited 11 September 2018 at 11:18AM in Debt Free Diaries
566 replies 32.7K views
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Replies

  • jwiljwil Forumite
    12.4K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    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.
    "If you can dream it, you can do it". Walt Disney
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
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    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
    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
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.8K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    £9.30 is worth saving :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    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.
    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
  • jwiljwil Forumite
    12.4K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Happy Birthday to DH :)
    "If you can dream it, you can do it". Walt Disney
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.8K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    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 :o.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • debtaghhdebtaghh Forumite
    1.7K posts
    Part of the Furniture 1,000 Posts
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    Hope DH had a nice bday and all goes well at the hospital tomorrow x
    Credit card debt ( May 2019) : £56,918... won't even start on the family debt :eek:
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    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 :D

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

    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
    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
  • hugglemonsterhugglemonster Forumite
    930 posts
    Fourth Anniversary 500 Posts Name Dropper
    ✭✭✭
    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
    Debt: New credit card £2291.82 now £2790 Car - Purchased £11,518.40 now £1469.85 Barclays loan 3000 now £1221.83
    PAID - Loan 2 £2200 Computer £646.52, Overdraft 1 £2200 Dad £300
    Emergency fund: £50 General savings: £50
    Aug 2019 starting debt 13,111.79 current debt £5481.68
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