The revenge of the stripey socks - a DFW adventure

Pippilongstocking

unixgirluk wrote: »

Once I'm speaking to OH again, nothing serious but he's being a typical bloke.

Uni x - Hope all is OK - mine is wonderfully 300 miles away - he's in a mood today - so happy I am far away.

Bank review on Monday - to cancel rrbs oyalties and see what they can do for me - makes a change first time ever I am not scared

LLoyds want to charge me an extra 20 quid plus my balance to pay off my loan early:rotfl:me thinks not somehow:rotfl:that is now low priority

Uniscots97

Fay is that the loan mentioned in your signature?

Uniscots97

Fay is that the loan mentioned in your signature?


Would love my OH to be 300 miles away at the moment. Men, not my favourite species at the moment. Lots of things getting me down. Getting nowhere with my cv and seen dream job (applied for same dept 10 years ago but lower down on scale) but its in London. Vowed I'd never move back there. Can't see OH being happy about it being in London.

Uniscots97

having a nightmare with my browser too today so hence the duplicated post. Sorry!

Pippilongstocking

unixgirluk wrote: »

having a nightmare with my browser too today so hence the duplicated post. Sorry!

London - wow - that would be quite a change.

Loan on my signature - no only hairy on there at the mo - had them all on once but got depressed!!

lloyds - 1606/5000 - paid for my MSc fees - well some of them anyway - :rolleyes::mad:

Lemon_Tree

it's frustrating when you won't gain anything by overpaying a loan or paying it off earlier isn't it? I've got one which adds the interest back on monthly but you can't overpay and i haven't checked out the other one. Won't be long before i have to decide which way to go, save to pay off in a lump or check out Northern Rock one and see if can't pay it back earlier. decisions decisions. Seem to be stuck in the financial mud at the moment, i've spent too much so can't pay off debt earlier and i'm waiting for my payslip so i can see what effect my annual increment has made (probably not much)

Uniscots97

I'm in the same position hopefully if I get another job straight away I can use some of my lump sum to make a dent in my debt. Just wondering what nasty surprises are in store for me with early repayment fees.

Pippilongstocking

My own recap - as am now terminally depressed:

Loans - hairy - 955, lloyds 1600, penguin chops 2755 (student loan 13770 - dont think about that one)
CC's - Bad one 2980, fishy card 270, lloyds one 703
o/ds both at about 1000 ish give or take

using fingers and toes - and being completely honest - gulp

gulp £25032
minus student loan (13k ish) £11262
minus working O/d's and cc's (3k ish) £8262

Working on improving my spending habits to reduce spending and stuff on working OD and CC's whilst overpaying:

First - hairy mcclairy
Second - OD's - get rid of one by end of year completely
Third - Scary CC - its at 0%
Forth - Penguin chops - also 0%
Fifth - LLoyds loan (I am not paying £20 to pay off it early!!!!! so 16 months to go)
Sixth - gulp and think about Student loan. (perhaps marry millionaire ??)


On that depressing note (think positively) - am away for a walk on beach and keep thinking of overpayments and frugalist strategies

Sorry if this is a monolgue..........

Uniscots97

No need to be depressed Fay you can do it (and so can we all), you've come a VERY long way with the McClairy Scary loan and in no time at all it'll be gone.

Remember the surveys and click throughs. Ok not a lot from them but ever little helps. I remember one of the other members when I first started saying 'focus on a little each time otherwise it seems too overwhelming' and she was right. Keep focusing on your loan. My focus is my OD then one of my cc's. I'd like to get the OD paid off before I get my redundacy payment.

So chin up, hugs .....and you'll get there before you know it....ok?

HockeyDuo8083

Fay - Is your student loan with the SLC or a bank?

Well done on getting under that pesky £1K mark!