The Secret DFW Diary of Eamd Aged 13¾

embarrassed_about_my_debt

Headed in my direction????? :rotfl:

pania

indeedy!!! CALL THEM!!!:shhh:

embarrassed_about_my_debt

Right i have done as im told and rung them!

They said the rate at present is 14.9% ( i had it in my head that it was 16.9%) but they said they will put it down to 9.9% with effect from 23rd. Not bad for a quick phone call! :j

pania

sooper dooper!!!

embarrassed_about_my_debt

yea i was happy ish with that although hopefully by the time it kicks in i will fairly close to clearing it. Then not sure what i'll do with the card. Might hold onto it as have been with them for a long time and never missed a payment so if i want offers then they are fairly good at giving me them (apart from when i was very close to the credit limit.)

pania

freeze it in your freezer so it's there for emergencies but stops an compulsive spending!! on phone to my boss while typing this!! I'm naughty!!

embarrassed_about_my_debt

Cant do that or my mum will ask what im doing that for! :rotfl: Could give it to my gf i suppose or just put it in an old wallet at home so it is safe.

embarrassed_about_my_debt

Just checked PB and got credited points for experian from before when i joined.

I just found the email with the original code in it which is what they ask for to get the points and put it in. I didnt really expect to get them but they gave me 800 (instead of the 1000) which i was quite happy with! :rotfl:

embarrassed_about_my_debt

Now signed up to the Pay of £8K in 2008 so another target to aim for!

Done £1074.09 so far this year! although this will slow down after January is out of the way and overtime is done.

embarrassed_about_my_debt

Right signature is now upto date and altered (got removed for being to long with a note saying it had to be 4 lines max.)

Signed upto Moozies Sun to Friday challenge again (although i do mine till saturday to include the whole week)

Last week my target was £20 and i came in at £18.22, this included £6 put in my £2 savers so was quite impressed. This was on non budgeted spends but this week i've added everything in for the next one so that its easier to keep track of and so it gives a better overall picture of what im spending in a week. This week my target is £100 so will be trying to stick to this!

Got another £2 for my £2 savers club, thats four this week! :j