Picked up the courage - DFD Sept 2025

SuperSavingD

DayDreamerandGeneralWaster said:

Happy All Hallows.

I'm having a break from listing this weekend. The last few weeks l have had upwards of 15 parcels to package, l think l need a rest. Judging by the look on the face of the woman at the post office when she sees me coming, she does too..!

I need to sort out the wfm tax this week too.

Lol she will be ducking under the counter when she spots you 🤣.

I’m so tempted to take it all the charity shop but so much is new with tags on that I purchased prior to being good.  I’ve promised myself that I must get the rail cleared before the decorations go up in December.

DayDreamerandGeneralWaster

Bit by bit 🙂 charity shops might not be open for much longer anyway by the sounds of it 🙄 

SuperSavingD

DayDreamerandGeneralWaster said:

Bit by bit 🙂 charity shops might not be open for much longer anyway by the sounds of it 🙄 

Think it’s made the decision that I should list but bag anything that doesn’t sell to donate or might do 50/50 split.  

Think this lockdown is needed, especially if it means we can spend Xmas with family as my Dads health is not so great, he certainly wouldn’t survive Covid.

SuperSavingD

DayDreamerandGeneralWaster said:

No l'm not but l am aware of it. As it happens, one monthly payment isn't far off 2%.  l have only just started, cleared a cc since lockdown. Making an overpayment of £225 every month seems manageable at the moment 🙂 l've been selling on Ebay, Vinted, Zaffit...won't be anything left to sell soon!

Sorry forgot to say congratulations on clearing a cc, great achievement.

SuperSavingD

Advice needed?  I have this loan for £13,500 on 3.9interest and want to try and move it to interest free if possible.  Credit score is 999.  Because it’s a loan am I able to use balance transfer cards?  Or would it be better if myself and my DH split it onto separate cards?  All advice appreciated.

Sarahwithlove

Might be worth asking on the credit card board but as its a loan think you would need a money transfer card and then put the cash in your bank and pay the loan off that way. Did you sort switching your banks BTW? Its really simple and all your DDs and online payment details move over with it if you use the switching service plus some banks are still offering sign up bonus and you'd save on the fee. If breakdown is only benefit you really use then try compare the breakdown cover I got mine for £35 for the year. 

SuperSavingD

Sarahwithlove said:

Might be worth asking on the credit card board but as its a loan think you would need a money transfer card and then put the cash in your bank and pay the loan off that way. Did you sort switching your banks BTW? Its really simple and all your DDs and online payment details move over with it if you use the switching service plus some banks are still offering sign up bonus and you'd save on the fee. If breakdown is only benefit you really use then try compare the breakdown cover I got mine for £35 for the year. 

Thanks for that advice Sarah, will try posting on there.  Not got round yet to sorting out the banks as was not sure of this would have a negative effect on getting a new mortgage deal next year or not.  

Sarahwithlove

SuperSavingD said:

Sarahwithlove said:

Might be worth asking on the credit card board but as its a loan think you would need a money transfer card and then put the cash in your bank and pay the loan off that way. Did you sort switching your banks BTW? Its really simple and all your DDs and online payment details move over with it if you use the switching service plus some banks are still offering sign up bonus and you'd save on the fee. If breakdown is only benefit you really use then try compare the breakdown cover I got mine for £35 for the year. 

Thanks for that advice Sarah, will try posting on there.  Not got round yet to sorting out the banks as was not sure of this would have a negative effect on getting a new mortgage deal next year or not.  

I think my credit score dropped a few points but then went back up the following month. So probably better doing it sooner rather than later. 

SuperSavingD

Sarahwithlove said:

SuperSavingD said:

Sarahwithlove said:

Might be worth asking on the credit card board but as its a loan think you would need a money transfer card and then put the cash in your bank and pay the loan off that way. Did you sort switching your banks BTW? Its really simple and all your DDs and online payment details move over with it if you use the switching service plus some banks are still offering sign up bonus and you'd save on the fee. If breakdown is only benefit you really use then try compare the breakdown cover I got mine for £35 for the year. 

Thanks for that advice Sarah, will try posting on there.  Not got round yet to sorting out the banks as was not sure of this would have a negative effect on getting a new mortgage deal next year or not.  

I think my credit score dropped a few points but then went back up the following month. So probably better doing it sooner rather than later. 

Oh that’s good that it only dropped by a few, I’ll put that on next weeks job list as need to make a big payment this week and don’t to mess that up.  Bet it’s really easy to do but we have never changed banks, had this account from 1994.

Sarahwithlove

Yep the bank does it all for you. Only thing I would say is keep either cash or a credit card to hand as I had about 7 days between card and pin arriving due to post being so slow at the moment.