In need of encouragement...

Sarahwithlove

If it gives you peace of mind then it is worth it in the long run and there's nothing stopping you overpaying on it if you get the chance. 

IrishSean

Sarahwithlove said:

If it gives you peace of mind then it is worth it in the long run and there's nothing stopping you overpaying on it if you get the chance. 

👍👍
Ta Sarah, was my thinking too
Will be nice when it's gone but the 2 things I didn't want to have to do was either drop £2k savings at the remainder or have to pay 22.9% on the MT when my 0% runs out. That would be an ouchie £400+ interest at minimum payments (bit extreme as I wouldn't pay min only, but for me avoiding interest is best)

I once had £14k on cards not thinking I could even get a BT, was paying £235 a month, most of it interest😱
Don't miss those days

Sarahwithlove

Wow I bet alot of that was interest you were repaying. I'm lucky I have never paid interest on mine I've always had 0% but then I have only been in debt for about 3 years so only needed two transfers and should have it cleared by time next is due 

ryanm8655

How did the ebay sales go? Amazing what you can get for sticker books and memorabilia...I threw a lot of stuff like that out after hoarding for years. Regret that now ha.

IrishSean

ryanm8655 said:

How did the ebay sales go? Amazing what you can get for sticker books and memorabilia...I threw a lot of stuff like that out after hoarding for years. Regret that now ha.

Aw man; ive hunted the house for my 2014 pannini book (almost complete), had it at Christmas to complete it for the kids, stuffed if I can find it. 😱😕😬

Rest of the stuff I reckon about £200 in total, after fees.. have about £121 so far, would like to sell my musical instrument stuff for £50 it's B.I.N at the minute, no takers yet.. I mentioned 8 & bob cause the holiday home we rented in roi last year the owner left a bottle in the bathroom. I was cheeky & used a few sprays.. it's over £100😱 was nice tho,  very 'bespoke'. I'll stick with aqua di gio tho, was like that scent was made for me...

Waxed £27 on some deck shoes & lawn feed but needs must

My next goal is once kids start back im looking at buying out my ground rent; better investment than throwing £50  a year at my hateful freeholder (who could technically claim my house even though i'm mortgage free!)...



Should make refinancing easier if I need to raise some to buy a 'pension house' in the same area. Good thing is if prices fall a bit I can low-ball local sellers who's properties have sat a bit..

@Sarahwithlove you're doing amazing on the DFW!
💪😉

IrishSean

My faith in the rise of e-sports is paying off...

Cashed £180 share profit to put towards the CC; the 14 yo got in before me (stock i'd had b4), he made 87% on his Christmas & birthday money... he's just thinkin "half way to an x box X or ps5..."

Knowing him he'll set up his own business & double it again (he was selling sweets for profit in school last year, lol)

Now I need to explain to him that the value of a portfolio can fall as well as rise😮😱😊

findingthisdifficult

Teach 'em early!  I like your style.  
Funny Mr FTD and I were saying that we wish we had been educated better from a financial point of view, after spending most of our adult lives in debt of one kind or another.

IrishSean

Bless him, he spent £20 of his earning on an extra xbox controller for his younger siblings..

I'm going to get him & his brother to do the MSE badge via the OU.. no reason they couldn't complete it & a first taste of higher education to boot, lol.

I finally found my panini world cup book so hopefully will squeeze another £40 out of ebay!
💪😊

findingthisdifficult

I thought I replied to this, how cute is he spending £20 on an extra xbox controller for his siblings! 

Good Luck with selling the panini world cup book.

IrishSean

Panini is all pimped out with unopened pack, last 6 stickers to complete & spares included in sale. It did 5 days, no sale sadly so relisted. I did sell my irish drum tho, nearly £40.

Father's 'property' still highly confusing; I can see it stretching into 2021 as i've family who simply couldn't run a bath 😂 

Have to pay off most of CC end of Aug to make room for hol home to move from DW card to mine; is the right thing as it means we'll have it @ 0% & no looming end date til May 21. This week away plus school uniforms has put a coach & horses through my DFW & savings. I even managed to fall off the betting wagon, although mercifully a shift in my shares covered the loss, which was small in comparison to online horrors of years gone by. Not an easy admission but indicative of the diary title I suppose. 
Back on track financially providing there's no curve balls though frustratingly I had to move £500 out of savings so as not to strain the OD when away. I hate giving up my gains, so I suppose that's a positive mental shift. 

What I do need is practical advice on managing a joint account. Should I take out cash for groceries to avoid frivolous spending (DW ironically has more😱)? (Not really practical in a Covid world of contactless). Move ££ into my basic account? Have a small limit CC I can pay off in full? Are there top up debit cards you can use for personal spend? My basic account pays my CC & I don't want to muddy it too much with personal or grocery spend. What do others do? I think managing the joint acct will be easier come Nov when I cancel the OD for good. What's left after savings and DD will be all we can spend😊!

Still, practical budgeting & spending advice appreciated

CC Feb 20: £5578
CC July 20: £758 (£518 off in Aug, then £590 BT going on)

Getting there😉