All aboard the debt busting train... chooo chooo

BEAT_THE_DEBT

Hi when you pad does it have to be a min amount online to cc,s through bank?

Moneytroubles_2

Hiya, not sure how it works with cc's and stuff (prob best asking on the payment a day thread) however with the catalogue, I just log onto my account and type how much I wanna pay, as long as I pay the minimum amount before said date each month I can pay as much or as little as I like each day if that makes sense? xx

BEAT_THE_DEBT

Yep that make sence thanks.x

homegrown_life

Great PAD MT. Will be gone before you know it.

Glad you're enjoying Uni as well, makes it much easier when you enjoy these things doesn't it??

Moneytroubles_2

Yeah it def does

Well im a little annoyed today as I opened a letter addressed to my OH (he works away so I do this to ensure nothing important is missed) and he's had a red letter from halifax stating that he's 119 into an overranged overdraft :O

I am so irratated by him sometimes as this is the only account he is responsible for, i do everything else!

Anyway rant over....

Moneytroubles_2

Hiya everyone, paid another £5 off VERY today, balance is now £490 - spent loads of money this week as its my first week back and i have bought a dinner every day - woops, i need to nip this in the but straight away, ive drawn a tenner out for the past three days with nothing (except a full belly) to show for it!

Also yesterday I paid some money off the credit card, had an impulse PAD than and for some reason I paid double the minimum payment. I think im going through a phase at the moment, where I would rather eat beans and toast for the next 6 months if it means me getting out of debt any quicker! im just chucking every last bit of money into debts! if it is not official payments then it is 2 pound coins in the sealed jar, or loose change in the copper jar! Just want rid of the debt - pleeeeaaassseee XXX

Moneytroubles_2

Evening!

Hope your all OK, OH has been paid today and I am so tempted to pay some more off very however I know we have the bills coming out this week so dont wanna leave myself short for the rest of the week! Might manage a pound or two tho

Also paid my monthly payment of £50 off nationwide today xx

Moneytroubles_2

Well today I have been at work, managed to bag some overtime for tommorow and also in a couple of weeks, which is always greatly received

paid £8 off VERY today, taking the balance down to £480, someone kindly calculated the interest for me and once it has been added on it should still be under £500

Received a letter from Halifax today regarding our council tax, as we received a letter from the council stating that Decembers payment didnt go through despite us receiving a receipt for this. Halifax looked into this and have said they authorised the transaction however the council didnt take the money - long story short, i now have to find £120 to pay the council for Decembers payment, which i thought I had already paid and havent budgeted for - boooo why does something ALWAYS crop up - its really winding me up now xxx

Cialilerin

Oh Moneytroubles, don't let this blip get you down - sadly there's always going to be the odd unexpected bill we haven't budgeted for !:( Instead think of all the positive things you have achieved so far. :T Personally I think so long as the debt figure hasn't increased at the end of the month - I'm doing well!!

Moneytroubles_2

Thanks for the reply it just seems things come up all the time though,last month it was the car, which resulted in a £416 bill although we were allowed to split this over two payments, but then I guess your right at least everythings getting paid, this time last year I had DD bouncing, unauthorised overdrafts, arrears in bills, letters through the door, phone constantly ringing so yeah it could be alot worse xx