Stunned !

I got accepted for a 0% BT card ! Me ! With all my fretting, worrying, phonecalls etc I got a 0% for 10 months and £20.50 cashback !

Fair enough it's only a small transfer, £500, but it's one less marble :) Low credit limit but 10 months and an APR of 15.9% compared to 22.4% plus 0% again on balance transfers on anniversary for two years. Add the cashback by Quidco (not affiliate link). Anyone interested it's the Post Office card . Oooh I love the Post Office !

Only way is up .

Reflection and Regret

Balance transfers aka card tarting, stoozing. I've done it once, that's what gave birth to my Marbles card. I really don't think I understood what a silly girl I was. If I'd have been financially astute I'd have BT'd my way out of this debt years ago.

Instead I have a history of consolidation and re-spending. I haven't applied for any credit for over a year, last time I spent on my credit cards was Christmas.

All part of my financial retraining. There was a time I've paid for groceries on credit cards and even taken cash out on the horrendous things. Head in the sand.

Time is coming to detail this debt in excel and get myself some more progress bars come clean on my blog. Like so many others I find this therapeutic. I'm pants at budgeting and seeing it in B & W will help. No More Spending has some amazing self control and discipline, now if you could bottle that and sell it...

Anyway no point in wallowing in self pity, can't press the back button in this case (another thing I'd like to sell... ) 9 days til payday,£34.62, one late credit card payment due, a bathroom that looks like an unidentified lifeform has been raving in there for two days and a mountain of ironing.

On the plus side it's Saturday, don't have to be anywhere at anytime today, The Pursuit Of Happyness [2006]- courtesy of LoveFilm- to watch on DVD whilst ironing, kids are happy, hubby be home soon which all makes for a spend free day :)