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New Job, New targets!
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Great news on the new job tine.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 20 months left.0 -
Well I thought I wouldn't get a decent 0% transfer card until I had a new job and I hate lying so didn't wanna fib about my income on the applications... Today I applied for the Barclays 0% card and got accepted straight away which is good news! So that should be with me in the next 5 day alledgedly!
Hoping that between that and the low apr for life of balance card that I can clear the MBNA card and chuck it. Then I'll apply for a money back card and ditch my Tesco card once I get appoved
Don't need a high limit on this as it will purely be for getting cashback on spending. Already have a Tesco Clubcard credit card which I use but want a better rewarding card to be honest!
The egg loan thankfully have no penalties for overpaying each month which is great!
We're making progress folks!
DFW Nerd #025DFW no more! Officially debt free 2017 - now joining the MFW's!
My DFW Diary - blah- mildly funny stuff about my journey0 -
Hi tine
That is great news about the Barclaycard. As soon as you get it, can you post what the limit is on it? With this credit crunch thing, it might not have a very high limit, but here’s hoping it does.
The LOB card has a £1500 limit, which means you can transfer about £1,200. There is normally a transfer fee to add on, which is why you cannot go up to your limit. That means the Barclaycard needs to have a limit of about £4,500 if you wish to kill the MBNA card.
Do not transfer anything until the Barclaycard arrives.0 -
Don't worry I'm sitting tight I have to say I'm very interested too in what limit they will set with the current credit crunch. Especially as I theoretically (in my view!) have a lot of available credit right now.
Tesco CC: Limit £1000 (this is my everyday spending card so is cleared religiously)
MBNA CC: Limit £6000 - balance £5551
Citi CC: Limit £1500 - £0 balance ready for balance transfer.
A&L overdraft: Limit £1250 (not used, got it set to this as an emergency fallback incase it was needed between jobs...)
So don't know if they will feel I have PLENTY of Credit available and shouldn't need a high limit... If I get a high enough limit to take the whole MBNA balane I'll use transfer balance to the Egg loan as the card has a smaller APR
Busy busy bee DFW Nerd #025DFW no more! Officially debt free 2017 - now joining the MFW's!
My DFW Diary - blah- mildly funny stuff about my journey0 -
Morning tine - how is the new job working out?Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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Grrr just wrote long post then it crashed! In short going well, lots of travel involved including going to Devon next week - and looks like I have to go there nearly every week in the near future... eeek! Lots of delicious petrol money tho!
Lots internal politics to learn too so hard work but good DFW Nerd #025DFW no more! Officially debt free 2017 - now joining the MFW's!
My DFW Diary - blah- mildly funny stuff about my journey0 -
Hi Tine,
glad its all going well. It really does make a difference when you have spare cash to throw at debts and savings! How are the dogs coping with out you? I would ask the same of the cats, but cats being cats probably don 't notice!
Lol.:A :A :A :A
DFW Nerd No.: 789 Ligthbulb moment: 23/09/07
Challenge: No bank loans and CC gets cleared every month.
Need to think about restarting the Grocery Challenges
Sealed Pot Challenge: Put change in and give to charity when full.0 -
Petrol money is a blessing-I used to drive a real old banger, and it made me smile that I was paid 32p a mile, to take depreciation into account I'd have been amazed if anyone had offered me 32p for the car...
Glad the new job is going well, the politicking can take a bit of getting used to, but I'm sure you'll have them all figured out soon x0
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