In pursuit of happiness...for real this time! Donner_kebab's debt diary!

Keeping_Motivated

Have a look what interest you are paying on the £4500 at 19.9% each month then do the calculation you described above for this and see if it matches your monthly interest then you will know if you are doing it correctly...does that make sense?

Keeping_Motivated

Just worked out the interest you would save by transfering is about £408 I think, then you need to know the cost of your fee and knock that off. So probably would be saving about £320 by doing the transfer.

I worked it out by using this site below, its worth looking at as a motivator of what the interest is costing you

http://www.whatsthecost.com/creditCard.aspx

beanielou

A tidy wee saving there then donner.
Well done km on working it out~im hopeless at these things.

Keeping_Motivated

Me too Beanie thats why I need to seek out a website that could do it for me I'm ok with percentages usually but I worry that its worked out differently for CC's somehow

donner_kebab

Heya guys!

Thanks for that! Have just been reading the letter again and it seems the fee is 5% not 2.5%...dunno where I got 2.5% from They are a blimin' nightmare! That is an awfully high BT fee Tempted to tell them to stick it up their backside! I was thinking about phoning them, telling them I wish to cancel the card and that I was planning the BT but that fee is rubbish and see what they say? They snet my boyf the same letter as he has a card, but with a 2.5% fee and until October! Cheeky beggers...almost as if they don't want my debt!!! :rotfl: Can't think why! Maybe they know how very determined I am and it will be gone far too quickly for their liking!

Anyhoooos, 5 items on the ol' fleabay and 1 has a £5 bid on it already so that is all good. Watchers on 3 out of 5 too. Gonna try getting some more on their later today. Might try for another 5 items...

Hope everyone is well. It is my last day off as Emily has a TTD today so no school. Was hard getting up today but will be even harder tomorrow when life returns to normal so need to get organised! I am on a training course for 3 days in town, so won't be able to cycle to work and will need to get a train or bus! Deffo not driving in as will be completelt insane!

Off to make brekkie Mmmmm Ready Brek

Keeping_Motivated

Hi Donner

Yeah give them a ring see if there is anything you can do about the 5% and also ask if they can increase the limit. Worth a try?
Enjoy the ready brek. I'm back at work for first time today boo hiss!!!! Shouldn't be on here either, naughty!!

KM x

donner_kebab

Ha ha! It's hard to keep off of here when you get going though isn't it!

Think of my tomorrow until Thursday...stuck with a loada geeks 'n' freaks and not able to get on here all day learning about supporting people with Apple Macs...I sooo hope I can stay awake as I usually drift off in the afternoon, nowt personal for the trainer, just get very tired and we are usually sat in the dark to see the projector better...oh dear. And am being good food wise so no sweets to keep me awake either! Double oh dear!

donner_kebab

Heya all,

Hope we are all ok! I am getting ready to catch the train as have my training course all day, each day until Thursday! I am feeling soooo tired already! Have to get used to getting up in the dark again I suppose!

Anyway hopefully today will be another NSD as lunch is paid for and I can claim the train fare back again! Been doing well and have only spent on Sunday I think! So 4 NSD's so far!

Take care all xxx

Sea78

Fab for so many NSDs!! Hope training courses go well
Sea xx

donner_kebab

Hiya Sea and all!

I might have to joing the NSD challenge thingy...maybe next month!

Well survived day one of my course! Got back home and popped out for a quick run. Done 3 miles and it was FREEZING! I was ummming and arring about doing 4 but I was mega silly and down a huge glass of orange squash and then went out for the run and it was all swooshing about so felt a bit sicky! Vey pleased that I managed 3 miles though as it took an awful lot to force myself out of the door after walking back from the train station first!

Am off to have a shower and then get on with tea! Hope everyone is well. Was chuffed at getting free lunch today and will be doing so for the Wednesday and Thursday of this course and then 4 days next week to on the next course! They will all hopefully be NSDs too as am stuck out in the middle of nowhere without anywhere to spend my cash! Yay! xxx