Damsel in Debt Take 2

bekah89

Thank you looking for peace and saving holmes! Yes that’s pretty much what I did LFP 😆

been quiet on here over Christmas, spent it at my sisters and now at my mums until tomorrow. It’s payday today so I’ve been jiggling around my budget and moving money to pots! I’ve moved money to travel to work pot and a groceries pot of 150 but I will definitely spend less than that! I’m going to try and do dry January so that will help 😆 
I’ve made a min payment to Halifax and an overpayment totalling £148.43 which includes the 66 from the gov for electricity and 44 from overtime, only 2 hours but still 😆 
Part of my Halifax balance has its 0% ending beginning of Feb, 1167. I have balance transfers available on my Lloyds and MBNA cards totalling 627 so will have 540 left going to 28% interest!! I do have a offer of a new card at 0% I’m pre approved for so may take that up, just will need to make sure I pay it off before it ends as it looks like its 29% after! I will do some maths and transferring when I’m home. 

Hope everyone’s had a lovely Christmas!

LookingForPeace

Happy payday Bekah! Won't it be nice when it gets to the point of "Oh, payday was it? Didn't even realise"   

Great news on the overpayment. And enjoy the dry January - slice of lime/lemon and sparkling water relax me after work most days if that's helpful

bekah89

Haha it would be amazing not to realise it’s payday!! I used to work with a girl who didn’t know when payday was because she didn’t notice.. what?! 😆😆 
I’m looking forward to a dry January! I will have a last undry night tomorrow night then that’s it! That does sound nice! I normally have a coffee after work, and during December it had baileys in 🤣 so that will be stopping haha 

bekah89

Happy New Year everyone!

today is an NSD, though I’ve just bought some groceries… all healthy food though I’ve treated my hungover self to a pizza for tonight 😆 and dry January starts now, apart from what I drank past midnight! 

Will be a lazy day today, glad I’ve got tomorrow off too. Tomorrow im planning to be productive! Tidying and cleaning the flat, and I need to start decluttering. And I might sort out some balance transfers between my cards before Halifax ends in feb 

savingholmes

Sounds like things are going well. Happy New Year!

bekah89

Thank you @savingholmes happy new year! 

LookingForPeace

Happy New Year Bekah!! Enjoy that pizza  I'm doing it the other way around to you - cleaning the flat today, chilling tomorrow. Here's to the year ahead erasing this debt ey 

bekah89

Happy new year @LookingForPeace! I will I’m looking forward to the pizza already 😆 yes here’s to getting rid of the 10k! I’m aiming on almost halving it this year 🤞

bekah89

So I’ve done a couple of balance transfers between my existing cards. Halifax 0% is ending beginning of Feb, current balance ending is 1167 then it would have been going to 28% interest! I’ve moved £135 to Lloyds costing me £6.75 fee and £492 to MBNA costing me £24.60 fee so added £31.35 to my debt but I’ve worked out my interest next month would be £21 so worth it. 

It leaves me with £540 though on Halifax that I’ll be paying 28% interest on. I have an offer of a new card but it’s 0% is only 9 months then 29.3% interest! And I’ve done a snowball calculator and it will only knock a month off my debt free date! So I’m thinking I’ll keep it on the Halifax card and just concentrate all my overpayments onto that until it’s cleared. I’ve already got 6 cards with balances on so I don’t really want to add a seventh. Hoping I’ll get offered a better balance transfer deal in a few months before the others end! 

savingholmes

Well done on staying on top of it.