moneymabels debt free by 2009 challenge

moneymabel

I know, on one hand we've only had this one for 2 years and it looks like new so seems stupid to get rid of it but on the other hand could be a fortune for repairs so would be better of buying new. Going to let OH decide and then if its the wrong decision its his fault lol!

moneymabel

I have now officially got nothing left to sell on ebay! oh well only 11 days til payday :-0 . hope some quidco gets validated and paid this month as well. have got £7.40 that was recieved last month just after the payment was made so i know ive definately got that to come but some more would be nice. want william hill to validate as well.

jenjade

i have loads maked to be paid this month but it isn;t ready yet!! i really want quidco to pay up.
i am now contamplating wether to pay for the years car insurance of whether to pay monthly
£261.48 for the year or Spread the cost over a year by paying a £52.29 deposit plus 10 x £23.10 instalments, total price £282.39 including 5% Insurance Premium Tax of £12.45.

jenjade

oh thats it i am going monthly is os only £20 more

moneymabel

Depends whether you are thinking of changing your car-if you are then i would say pay monthly as you usually wont get your premium back if you cancel. if not then definately pay it all at once if you have the money, then its done, you dont have to think about for a year and by the time you do you will be deb free anyway so it wont be a disaster. Dont pay interest if you dont need to, that could buy dd a ds game!

jenjade

i don;t know whether i will be changing my car or not?? so i am going for monthly. also if i really good cashback offer appears i can change company without losing as much!! let the money i have gain interest and pay monthly final answer!

moneymabel

if u might be changing car then right decision, and good idea about the cashback offer, i never thought of that...hmmmmmmm

is that your final answer? you have won one million pounds...oooh that would be nice lol

moneymabel

cant believe its ten o clock already this day has gone so quickly, suppose i really should get to bed as i have work tomorrow. night jen.

jenjade

yep insurance done hope the £50 cahback arrives before xmas!!!! night jen

jenjade

i will be well chuffed if i get the £50 cashback and the £20 from quidco i don't think i will but worth a try as it is £15 cheaper then my renewal or anything i have found online anyway!!
if i have the same car next year i will just have 3rd party as the car is an r reg and probably only worth £500 if i am lucky!!