We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Bones
Options
Comments
-
Well done for sewing on all of DD's badges it looks amazing :T. That's one big blanket :eek:.
Good news on the 0% offer.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 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Deleted_User wrote: »Forgot to add, DH got an offer for 0% until November 2021 for the BC, so we are going to transfer to MBNA over at the end of the month.
Plus it is DH's LAST week at the Carp company :j :T
Good news on both fronts
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
I am not having a great day today. First an argument with DS before I left the house. In work and the architects can't get the revision right on their drawings despite it being sent back to them twice before and then the printers get the drawings wrong for the fourth time!!! :mad::mad::mad:
I NEED A GIN!!!
And Breathe!0 -
Today has gone totally down the pan, so I have changed my thinking to the next few months and 2020.
I have a bit of a dilemma, do I
A - Wait until November pay day and make the regular payments to the CC's and then do the balance transfer to the BC from the MBNA (the 0% deal from the BC offer ends 30th November).
or
B - Just do the balance transfer now so it is all done and sorted before the end of the month.
The current 0% deal on the MBNA runs out at the very beginning of December, so I am very tempted to just do B.
:think: :undecided :think:0 -
I would go for B just to be on the safe side.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Tomorrow's another day pmo2. Hopefully it'll be a lot better..0
-
If only people would do their jobs properly! I hope tomorrow is less frustrating.
I think with regard to the CCs I would go for B and then it's done.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 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Just found your new diary (very late to the party!). Subscribed Starting a new debt free journeyStarting Debt: £5,250Current Debt: £4,995.50Amount Paid: £254.50 Percentage Paid: 4.84%Emergency Fund: £3500
-
I'd go for B as there's no guarantee offers will continue to be there.
I hope today is better for you "If you can dream it, you can do it". Walt Disney0 -
I bit the bullet and did the transfer 0% until 1st November 2021.
We are now down to two credit cards
The debt has increased by £116 which I think we can handle lol :rotfl:
Now I need to seriously work on my goals for 2020 :j0
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards