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The Three C's - Coffee, Clothes & Credit Cards
Comments
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Happy new car. XSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
Willowtree222 said:Happy new car. X
Received confirmation this morning that my final refund has been accepted and processed. So should be back on my NW CC within 2-4 working days. That's another £89.99. Only downside is I'm back to an uneven number again. Going to play with my remaining funds for rest of month and see if I can find £10.01*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Sarahwithlove said:Willowtree222 said:Happy new car. X
Received confirmation this morning that my final refund has been accepted and processed. So should be back on my NW CC within 2-4 working days. That's another £89.99. Only downside is I'm back to an uneven number again. Going to play with my remaining funds for rest of month and see if I can find £10.01September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
Willowtree222 said:Sarahwithlove said:Willowtree222 said:Happy new car. X
Received confirmation this morning that my final refund has been accepted and processed. So should be back on my NW CC within 2-4 working days. That's another £89.99. Only downside is I'm back to an uneven number again. Going to play with my remaining funds for rest of month and see if I can find £10.01
OK so been reviewing my calculations. Estimating which Sinking funds will likely need refilling between now and April. This has then left me with an estimated amount each month I should be able to pay into CC Overpayment pots.
This would leave me with £225 to find by end of March. Theres 7 months which I will be paid before then so works out at £32.15 a month. Going to be tough as my budget only has £13.63 a month unaccounted for. So suppose that's a start would leave me £18.49 a month to find! I will continue to let my round ups go into football fund. So remainder needs finding in other ways.
Vinted, prolific, receipt apps, fb marketplace. I did consider Xmas and birthday money but decided I will keep that separate for myself when I get it.
*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Put my first 4 items on vinted today so shall see how that goes.
Bit of a spendy day today.
£12 on tomorrow's train tickets
£5 on amazon for spare batteries for car fob
£17 on my half of costco membership.
£10.01 Overpayment on CC
Tomorrow will be £4.50 on car park at train station but that should be it. My friend who I pick up on the way will buy the coffee and I'll make sure to pack an extra can of pepsi max this time! Roll on Friday! I can't wait for my long weekend off.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Hate office days. Such a long day for me.
£4.50 on parking and £8 in Tesco on few bits I'd run out of and some snacks.
I've had 2 of my 4 items on vinted sell, wahoo. Will print the labels tomorrow and post them off. Luckily with same company so that's good. Will also look at getting some more items on there.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Another vinted item sold, bigger one this time, £30 wahooo. So providing all OK that's £43 from 3 items. Have added one more so far today, but will start taking more photos over weekend and get some more items up for sale.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
That's a decent amount. I don't have much luck on vinted so have stuck to eBay.
I haven't tried it in a couple of years though. I just remember getting really frustrated with buyers and the lack of commitment when they said they would buy something.September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
Willowtree222 said:That's a decent amount. I don't have much luck on vinted so have stuck to eBay.
I haven't tried it in a couple of years though. I just remember getting really frustrated with buyers and the lack of commitment when they said they would buy something.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Ebay doesn't charge fees on clothes now and they manage their own payments so you get paid directly from them. They're trying to match vintedSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0
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