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The Three C's - Coffee, Clothes & Credit Cards

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Comments

  • Willowtree222
    Willowtree222 Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy new car. X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Sarahwithlove
    Sarahwithlove Posts: 3,347 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Happy new car. X
    Thank you! I'm very happy with it. The more I drive it the more I'm getting used to everything.

    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/
  • Willowtree222
    Willowtree222 Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy new car. X
    Thank you! I'm very happy with it. The more I drive it the more I'm getting used to everything.

    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 
    Fingers crossed you can find that! 
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Happy new car. X
    Thank you! I'm very happy with it. The more I drive it the more I'm getting used to everything.

    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 
    Fingers crossed you can find that! 
    Found it. Money paid off card so just waiting for refund to clear. So that's now down to £1500 or will be wahooo. 

    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/
  • Sarahwithlove
    Sarahwithlove Posts: 3,347 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    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/
  • Sarahwithlove
    Sarahwithlove Posts: 3,347 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    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/
  • Sarahwithlove
    Sarahwithlove Posts: 3,347 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    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/
  • Willowtree222
    Willowtree222 Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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. x
  • Sarahwithlove
    Sarahwithlove Posts: 3,347 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    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. 
    In fairness one of them items is worth more than that and I may have got it on ebay but I juat want it gone after holding onto it for so long. Plus ebay and PayPal both take fees so you don't end up with that amount anyway. 
    *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/
  • Willowtree222
    Willowtree222 Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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 vinted 
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
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