These posts were originally posted on the MoneySavingForums (a UK money management site), I am moving my journals across to WordPress to have them in chronological order. I’m not sure how much of other people’s words I’m allowed to copy across from one site to another, so in some sections I may summarise conversations.
13th September 2019
Just discovered that the 0% period on my black (largest) card actually ends in 2021, not 2020
This means I dont have to go card shopping in the new year, and I’ve got more flexibility on when, exactly, I buy my laptop… I was planning on buying it right after I switched cards to take full advantage of the 0% deal but if I can drag my current laptop out until March 2020 maybe I can scrape together enough christmas and birthday and work bonus money and pay off a chunk of the laptop immediately after I put it on the card (I dont think I can get £1000 together from those sources but one can dream)
Once I buy my laptop the balance of that card will be too high by pay off by April 2021
14th September 2019
A small success: it’s the week before payday, and I still have £120 in my account
Now, I do have plans for that money, it’s not spare or leftover. But it’s still in my account, I’m still in the positive. Six months, a year ago….