Third time's the charm...

LittleMissDetermined

Postman has just delivered a letter from CC4, they are increasing my credit limit by £5k effective next month.  I have a zero balance, so I am assuming it's to tempt me to do a balance transfer, but that's not needed until Oct 2023 if there's anything left on CC7 then. 

Once everything has been paid off and I am debt free I will evaluate all my cards and choose which couple to keep.

LMD x

Cheesephetamine

Amazing! All my creditors want to lower my credit limit 🤣

LittleMissDetermined

Cheesephetamine said:

Amazing! All my creditors want to lower my credit limit 🤣

I definitely went through that phase a few years ago! It will get better, especially with the work you’re putting in x

LittleMissDetermined

Good morning! I see the sun has made another appearance and it makes me happy

I've made my PAD this morning, £1 to CC7 and 73p to the sealed pot.  I didn't sleep well last night and I'm exceptionally tired, hopefully I will feel better for my lunch date with the girls. Lunch out means it's not a NSD, but I am sure I will catch up over the next few weeks. I knew May would be spendy so I set myself a lower target of 13, we have a few big family birthdays coming up.

All budget spreadsheets updated this morning and the overpayment pot still has enough in to get me past 7.5k (50% of limit) for CC7 so hopefully on 26th this will be sent to CC7. By my investigations, this is the only thing left which is impacting my credit score negatively so within a few months we should be sparkling in the credit department (here's hoping).

Better get on with work, especially as I have an extended lunch today.
LMD x

LittleMissDetermined

Up early again today and I have a busy work day ahead. I’ve popped some laundry in the machine and hopefully that will be dry this morning so I can get another load on this afternoon.

PADs made this morning £28 regular DD and £2 to CC7. I’m not going anywhere today so it will be another NSD, #8 for May.

Lots of housework to do this evening, as tomorrow will be mainly watching the football and then Eurovision

Hope every has a lovely Friday 
LMD x

WinterWarrior

So much padding…you’ll have that last £7k gone in no time. You are doing so well.
im not sure if I’ll watch Eurovision, the tactical voting gets a bit depressing. Last time I watched it I felt bullied 🤣

LittleMissDetermined

WinterWarrior said:

So much padding…you’ll have that last £7k gone in no time. You are doing so well.
im not sure if I’ll watch Eurovision, the tactical voting gets a bit depressing. Last time I watched it I felt bullied 🤣

It does get a bit like that, but I find if I go in expecting ‘nil points’ then I’m never disappointed!

Been watching the artist representing the UK on BBC breakfast this morning and he seems so nice.

Sun_Addict

Eurovision is so tacky but I love it 😆 My favourite winning song of all time is Euphoria by Loreen, absolutely love that song. It's all down to politics, it shouldn't be, it's still fun though.

LittleMissDetermined

Sun_Addict said:

Eurovision is so tacky but I love it 😆 My favourite winning song of all time is Euphoria by Loreen, absolutely love that song. It's all down to politics, it shouldn't be, it's still fun though.

Also a massive fan of Euphoria here! I’ve loved Eurovision since I was a kid and I never miss it now 

LittleMissDetermined

Well, up early AGAIN with the dog, (I may need to invest in a cat flap or teach him to pee in the loo). My problem is that once I am awake, my brain hits top gear and I can't get back to sleep. Gonna need a nap if I want to stay awake for Eurovision results! 

PAD made this morning £1 to CC7, today should be another NSD but I'm not declaring that now on the thread, will go back later and update once I am certain. 

Sorting in the garden today, before football and Eurovision so no rushing and no stress *fingers crossed* 

Hope everyone has a good day!
LMD x