NOW OPEN: the MSE Forum 'Ask An Expert' event. This time we'd like your questions on TRAVEL & HOLIDAY DEALS. Post by Wed and deals expert MSE Oli will answer as many as he can.
Finally I seem to have been offered a few (albeit minor!) BT cards. I've also bitten the bullet once more and cut up the trusty AMEX that's been haunting me. So, with a money transfer to pay off my PayPal Credit (this one's been really annoying me) and a BT to take a big chunk of AMEX away it feels good. These transfers will both be paid off in 6 months. Current plan is to hit sub £5k by end of June...
So PayPal now on £0 - I hate how these payments take ages to process and so glad to have cleared this with MT money that's on 0%. Current totals (now sub 10k!)
£1200 on 0% CC1 £1200 on 0% CC2 £2800 on Lloyds £4500 on AMEX
I'm still being strict with myself - posting to try to keep accountable. I transferred 'spending money' to monzo on payday, but every time I have a NSD I transfer my daily budget to AMEX CC to chip away. Feels so good to be in single figures for first time I can remember. Lack of opportunities to spend, and shifting shopping to Aldi have both helped massively on this final strait.
Doing some spreadsheet work... DFD of 25 July still definitely possible. For the first time (ever?!) I've stuck to groceries budget this month. One more C&C at Aldi to pay and it'll be within budget by 2p!! Can't say it's been that easy but with careful planning it's possible. Continuing to pay down as I can... every time I have a NSD I chip a bit more off.
Does anyone know how long balances take to get reported to ClearScore? Checked my new score today - it's gone up a tiny but, but debt total is still what it actually was in November and there's about £3k to come off!!
Replies
Current totals (now sub 10k!)
£1200 on 0% CC1
£1200 on 0% CC2
£2800 on Lloyds
£4500 on AMEX
Total now £9700
Emergency Fund £425 / £1000
DFW - £TBC
Jan 2022 - £0
Cleared - £102,222
Jan 2022 - Now time to build suitable investments and a business!
*Tesco Credit card - £3604.30* - £0.00
*Finance - £581.91 - £0.00
*Dad loan - £5300 - £3800
*M+S Credit Card - £0
*MBNA Credit Card - £1211.88 - £0
*Virgin Credit Card - £3075 - £0
*Total debt - £3800*
*Sinking Fund - £2500/£2500*
*Emergency Fund -£250/£5000*
*Mortgage Overpayment - £46.90/£1000*
Premium Bonds - £200/£1000
Facing Reality - My Debt Free Diary