Time to Face The Music

RelievedSheff

I have had an interest refund this morning on Card 5 on my statement so the balance has come down further than I initially though

Balances Update 13.09.21

 

Furniture Loan = £0

Debt 1 = £0

Credit Card 1 =£0

Credit Card 2 = £0

Credit Card 3 = £0

Credit Card 4 = £0

Credit Card 5 = £701 (£100 repayment 19% interest)

Credit Card 6 = £3120 (£100 repayment 0% interest until August 2022)

Credit Card 7 = £10726 (£200 repayment 0% interest until November 2024)

 

HP Car Loan = £1670 (£251 repayment final payment February 2022)

HP Motorhome Loan = £22016 (£393 monthly payment final payment March 2026)

 

 Total Debt = £38233

Sun_Addict

That’s good news to start the week off on the right footing 😀 Card 5 will soon be gone. 

joedenise

Good news about the interest refund.  Are you going to make an extra payment of that amount and reduce your balance further?

alt80

Brilliant turnaround on the figures with all but £700 on 0%. Would be worth you finding the £700 over the coming month or 2, just get it cleared then all on 0%. If you have a 0% purchase, just throw your expenses on that for a month and clear the month after. 

RelievedSheff

joedenise said:

Good news about the interest refund.  Are you going to make an extra payment of that amount and reduce your balance further?

They have applied the refund direct to the account. It has reduced the balance by about £125.

RelievedSheff

alt80 said:

Brilliant turnaround on the figures with all but £700 on 0%. Would be worth you finding the £700 over the coming month or 2, just get it cleared then all on 0%. If you have a 0% purchase, just throw your expenses on that for a month and clear the month after. 

The aim is to have that balance cleared over winter when we are not going out so much and spending so much which should be easily achievable.

RelievedSheff

It will be a no spends day today.

Breakfast, lunch and dinner will be from stores. Breakfast was a toasted four cheese bagel, we have both taken our packed lunches to work and dinner tonight is leek, mushroom and smoked mackerel pasta with garlic bread.

Todays jobs are:

• vacuuming the house
• dusting the house
• cleaning the kitchen
• walking the dog

milann

Your meals always sound delicious 👍

RelievedSheff

Not quite a no spends day today. Had to pick a few bits up from the shops this morning. But only spent £5.

Breakfast, lunch and dinner will be from stores. Breakfast was crumpets, we have both taken our packed lunches to work and dinner tonight is king prawn thai curry with wholewheat noodles and spring roll.

Today's jobs are:

• load of washing (dried in the dryer)
• vacuuming the house (didn't get round to this last night)
• dusting the house
• walking the dog.

LittleMissDetermined

Great finance update! Well done And card 5 will soon be gone I’m sure