I am determined to do this...

daily_2

How much do you have in the savings account? If you paid the OD off now, and had to dip into it later, you wouldn't be back to square one, you'd be £100's better off. (29.9% - 4% = 25.9% loss on savings)

http://www.moneysavingexpert.com/cards/pay-off-debts

Have you checked your CC statement to make sure you aren't being charged interest on the shopping?

kirstenc

Im so sorry for being dense about this...i get that id be charged way more than im getting in interest just now, but im worried that if im laid off, or off work sick etc for any more than a week, I would have to dip into that overdraft which is only £1500 and im not sure if the bank will even let me keep the overdraft after getting in so much hot water. once that has gone, i will have nothing to dip into at all and im quite scared of leaving myself in that position! would be paying interest and not earning interest either.

I get where you're coming from with that though, and have cut down how much i put into the savings by half this month, will use the other half to pay off the overdraft. I may be able to do a bit more over the next couple of months, but really want to keep hold of the savings but not for the money, for the peace of mind of knowing i have 2 months wage there!

I am paying the shopping on the same day as i do it, so definatley no interest though:D which is good!!

kirstenc

Thanks so much Daily for your advice, it is much appreciated.

Have only had the savings account since last year, after the OD and the loan etc, cos I really wanted that 3 months wage buffer!

Me and my OH work together so if the company goes bust its likely that we will both lose our jobs.

I am going to keep the savings where they are just now until we hear about the goings on at work, theres alot of rumours just now which probably aint true lol. If we get the assurances that no jobs are at risk etc then I would be happy to use that cash to pay the OD! so thats a potential plan and hopefully one I can use, much rather have no savings than no job lol

moving on to today, well the bus passes are due to be paid, £70 for the 2 of us, so ill be taking that out the bank this morning, plus i just discovered that when the bank amended my direct debits, they cancelled my tv one so i now need to give them 2 months worth! ayekarumba lol

Have convinced OH to spend time with his mates on sat, playing pool i think (badly if his past form is anything to go by!!) so i will get the ebay stuff on. will need to outlay for envelopes and stuff, any idea where the best place to go for stuff like that is??

made a potato and bacon salad last night with leftovers from a bbq, and have enough for my lunch today. hopefully wont spend anything today over and above the busses!

kirstenc

Well i spent 40p on a yoghurt at lunchtime, will have to pop them on my shopping list in future!!

the thunder is rumbling and i hope its over by the time I leave today!

The little monkey is being carted off to yorkshire with my mum for a week to give us a break. he has some health problems and needs medicated at night so im looking forward to the sleep!!

It will give me a further oportunity to get earning more money over the next few days, will be doing a bit of OT too, and will cook up tonsa stuff for the freezer.

goal for today
- take photos for ebay items
- withdraw play.com money
- pay virgin and reset direct debit

kirstenc

weird, one of the posts from daily has disappeppered!

I hope i didnt do anythin weird to this thing, and sorry daily, wasnt intended lol

Anyway, I have noticed that i sound like im not taking the advice that im given, and Im sorry about that. I really apperciate the help and am grateful for any feedback that you can give me.

made bbq chicken today, and have some leftover chicken that I can use for pies. so im not wasting food no, and have some meals for next week too!

booked in for OT in the mornings for the next week, will squeeze an extra 6 hours in altogether, should be £50 after tax so that can go to the overdratft too!


ooohh and i joined the £10 a day thread, got 20p today lol

every little helps lol

kirstenc

Good Morrow folks

I have to say, im feeling alot more positive today, cheery etc

start work at 815 :-(
but get time and a half for it ;-)

going to cook and freeze as much food as possible this week, hopefully so I only need to buy in fruit and veg next week. its a plan, its a plan!

anyway, Im kinda chatting away to myself lol feel free to join in my ramblings (although to be honest it aint gonna get more interesting than this lol

chat later!

k

kirstenc

Still cheerfull lol :beer:

havent paid anything today, feel a bit bad, but am waiting for that darn £50 from play.com to put in the overdraft.

not sure how long it normally takes, any ideas??

I need to pay an extra £200 a month onto the overdraft to get it paid off by xmas, then Im going to throw the £200 that normally goes there into the cc, aim to have that bad boy paid by valentines day!! Then its just the loan to tackle. bit nervous bout that but im sure Ill make it if i can stick to my little ones beforehand!!

Im about to have a cuppa, plenty left for a virtual one if anyone wants lol

kirstenc

is it me, or does the DFW thing cause argumants between spouses??

Im very into this, saving and making sure that the sspare money goes into debt where possible, therefore homecooked meals, using leftovers for more homecooked meals, days out to the park or the cinema (we have prepaid years membership so dont pay to get in)

On the other hand, he wants computer games and takeaways every week.

He feels that as we have money in the bank, we can do it, but i cant explain properly that the money is technically allocated elsewhere!

maybe its just me, I have been a bit naggy lol and while hes happy for me to do what im doing, he isnt helping much if u no wot i mean!!

gggggggggggggggrrrrrrrrrrrrrr!! :mad:

im going to make some fab chicken pies, show him he dont need a take out lol

Fire_Fox

Have you already used the three month free rental code from Lovefilm? I think you can rent games as well as DVDs ... or could you have a little pocket money each, sufficient to buy second hand games? Does your partner have family or friends that would agree to do swaps?

Mr Fire Fox used to live on takeaways and junk food. Now I buy curry paste, Chinese sauce, frozen southern fried chicken, oven chips, naan bread and bhajis. When he wants a takeaway I tell him what we have in stock - it doesn't work every time but often enough!

kirstenc

thanks fire fox!

well, we were with Tesco DVD for the trial which is run by Love film so they probably wont let us do the same thing unfortunately. might as well give it a go though.

We have had a bit of a chat and he realises that although the debts dont seem that big, they're important to me, and to us being able to to the dream house thing that we want!

He loved my homemade chicken pie, and was glad he didnt have chinese tonight!

we do have pocket money, and he uses that generally for games and stuff, i just feel bad when he takes extra out the bank during the month and says he'l pay it back with his money from next month, I do tend to moan lol

Im starting to build up freezer stuff so we always have something there, that way im hoping laziness doesnt kick in!!