My Debt Diary

James240

ok just spent £9.34 on some on some salady stuff 99p, bread 83p, 2 packs of Salmon £2.99 (but it was a bogof) and 26 walkers crisps for £2.99 for me lunches and a big bottle of stella which was £1.54 as a goody for myself for sticking to last months budget so still got £11 of of my budget still left so not doing to bad

James240

ok spent 30p on a stamp to send the cheque of to egg for an over payment of £250 :j

feel really good in making the first steps into paying off more of my loan :j

cross fingers this will be the start of a very fruitful year for me in making my loan as small as poss

Verbatim

OK then James, someone has to ask (or have I missed something?) what are you doing in 3 days time??

James240

lol ahhh cant say im afraid all i will say is that im going to have a really good time :j

James240

ooooo im sooooo angry just checked my bank account on line and Barclays have charged me again for my account so im going to have to go in and have a go at them now :mad:

Does anyone know if i can get them to give me any compensation on this incident at all? or if i can claim back any of the monthly charges for having an account that has "extras" that i never used......

so now i got to waste another lunch break tommorrow sorting this out when i was assured that it would be stopped........ :mad:

James240

Just been round my mums and was horrified to find that she and my brother had hardly any food in the house!! :eek:

Just made her show me her bank accounts online and one of them was -£900 over drawn and the limit is £800 (which is her bills account), and the other account is -£745 and the limit is £600 (which is her own personal account).

So i sat down and sorted out her accounts and i have given her £800 out of my savings account to sort out her own personal bank account so that when her wages go in on the 15th March the money is hers to pay her bills and get herself straight.

The other account that is £900 over drawn (bills account) will be sorted by the end of this month. My brothers house keeping will go in which is £250 which means my mum has to find £650 pounds to pay off her overdraft.

Fortunatley she had recognised she needed to sell the shares in the company that she works for and this will come to just over £700 so this will pay off the remainder of the over draft.

She has promised me that the accounts wont get into this state again, and i do believe her.

She currently has her house on the market cos she wants to move down nearer my nan and grandad so once that is sold she said that she will give me the money back, which isnt a problem i would like to give it to her but im just not in that sort of posistion at the moment, once ive paid my loan off i will do something special for her .

Just wish my mum had told me before things had got to this stage that she needed help But hopefully once i have transferred the money over into her account to straighten out her personal account then things will be on the up for her.

I know this is my debt diary but i needed to get this off my chest
rant over now

Willsnarf1983

See if u had done what we had all said and not saved as much u wudn't have been able to help ur mum out of the stuck!

makes u think again!

well done bud

Will

southernscouser

Jamesy have one of these on me fella! :beer:

That is a top thing you did for your mum. I know it can be awkward when lending family money! :T

James240

cheers guys, would have loved to have given her the money but im just not in that posistion to ................but when i am will treat her as shes had it a bit hard these last few years

James240

OMG!!! just done a few re-calculations and where i have overpaid my loan i have over paid £50 too much :doh: i should have over paid by £200 not by £250 :doh:

This now means i have £14.97 a week to live on lol :doh:Before i have to go into my overdraft.

I think i can manage this and i dont see it as being too much off a problem, but just means im going to have to watch me pennies a little bit more this month.

Think i got caught up in the fact that i was actually over paying me loan

Will be definatly less over-zelous next month