Getting FIREd up 😀

Watty1

So with you on the car washing story - whilst out riding last weekend I saw a man with a young girl say 13 or so and a car bonnet up and the young girl was doing all the work following direction.   I'm fairly sure he could have done it quicker - but - I loved watching how he was teaching her and spending time.  The flip side of the car washing I suppose!

South_coast

Oh, I love that story 🩷! I may have faith in humanity after all!

Thanks for the vote of confidence Ed, but the eligibility checkers disagree with you! I think half the problem is that I already have most cards. I currently have 8 cards from 7 providers, with a total limit of £74,550 and a 38% utilisation rate. Really, I could do with closing some, but then the utilisation goes up 🤷‍♀️! I don't need to do anything for approx 2 weeks (it expires 06/01, but I'm allowing a bit of leeway for Christmas), so will see how the land lies then and make a decision

edinburgher

Oh right 😂 That's some haul!

themadvix

You don't need the hassle - pay it off and be done with it!

That is a lovely story Watty - and very similar to what is likely to be happening here at the weekend. Mr MV has been asked to supervise a friend's son doing her brake discs - he's learning to be a mechanic at college, but doesn't have the tools (and unsurprisingly mum would like him to have some supervision when working on her brakes for the first time!).

debtfreeoneday

Do you have all of that invested whilst paying 0% interest?

South_coast

It's sat in a cash ISA (barring the last £300ish which I don't have yet 🙄!), but the ISA is set up so that instead of paying me interest each month, they put it in an S&S ISA for me instead. So if I could balance transfer it then even after fees I'd likely end up better off long-term (and would also help with the fact the ISA isn't flexible, so if I withdraw then I can't put it back later!)

TallGirl

Sounds like a really good idea re the ISA interest I am doing the same. It is a lot to have on the cards but as long as you are happy and can keep on top of it no need to worry I guess. I can't remember did you complete your home renovations? 

South_coast

Yes, all done barring a bit of titivation which will be done in the new year (couldn't bring myself to put any more on the credit cards, so have left it unfinished for a year!)

South_coast

Really???


And they're meant to be the sensible ones 🤦‍♀️!

Jessy103

I'm not sure I want to know why they need to know that 🤣