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Looking after the pennies

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  • Great news. Hopefully with less interest to pay the debt will come down a bit quicker and you might get more offers. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Great news. Hopefully with less interest to pay the debt will come down a bit quicker and you might get more offers. 
    I am hoping it will be an approx extra £50 a month towards my debt due to the interest I will be saving so I am really pleased, never thought I would be able to get a 0% so just shows that plugging away slowly does really help :D 
    Pennies starts again...........2022 - £13,579.22  



  • Great news. Hopefully with less interest to pay the debt will come down a bit quicker and you might get more offers. 
    I am hoping it will be an approx extra £50 a month towards my debt due to the interest I will be saving so I am really pleased, never thought I would be able to get a 0% so just shows that plugging away slowly does really help :D 
    That's a great amount to save and as you pay more off the less interest you pay so more comes off debt so win win situation 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Morning all,
    I had a juicy survey on prolific yesterday for £7.50 which they have approved already so managed to withdraw £10.63 today which has gone straight off the CC! NSD planned for today and a few of my eBay items have rolled over as no bids.
    The boys have gone into school for the first day today, I am in the office but leaving at 2:30 so I can pick them up which will be nice, manic day today and been a bit pants really in work! nothing much else to report really apart from 2days till payday!!! 
    Pennies starts again...........2022 - £13,579.22  



  • Naomim
    Naomim Posts: 3,117 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Morning all,
    I had a juicy survey on prolific yesterday for £7.50 which they have approved already so managed to withdraw £10.63 today which has gone straight off the CC! NSD planned for today and a few of my eBay items have rolled over as no bids.
    The boys have gone into school for the first day today, I am in the office but leaving at 2:30 so I can pick them up which will be nice, manic day today and been a bit pants really in work! nothing much else to report really apart from 2days till payday!!! 
    Lovely Prolific survey. I've not had any big ones pop up for a long time but even then I can't usually do them as they take too long and I'm wfh.  Think I'll be lucky to get to £5 to cash out this month! 😂

    Naomim
    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
  • Ooo that is a juicy survey! I don't really have time to do those kind of ones or to check regularly but have done a lot on one poll lately and it's adding up rather quickly I have to say and they only take a minute or two. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • @Sarahwithlove @Naomim I rarely have chance either but luckily I was on hold for ages yesterday and it had taken over my pc so I did it whilst I couldn't crack on with everything lol  :) I don't seem to be getting many atm but they do seem to be paying very quickly x 


    Pennies starts again...........2022 - £13,579.22  



  • That's good. I'm sorting my laptop out atm so let's hope I can start doing more again. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Naomim
    Naomim Posts: 3,117 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ooo that is a juicy survey! I don't really have time to do those kind of ones or to check regularly but have done a lot on one poll lately and it's adding up rather quickly I have to say and they only take a minute or two. 
    I should have a look at onepoll.  I think I used to do it years ago.
    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
  • Naomim said:
    Ooo that is a juicy survey! I don't really have time to do those kind of ones or to check regularly but have done a lot on one poll lately and it's adding up rather quickly I have to say and they only take a minute or two. 
    I should have a look at onepoll.  I think I used to do it years ago.
    I'll give that a Google I just use prolific and yougov atm x 
    Pennies starts again...........2022 - £13,579.22  



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