It will be GONE !!!

Herewego

I was born in Berkshire so I have what they call a posh london accent, but all my friends say they can hear the Yorkshire coming out now.
I dont think it earned me any brownie points with him but it did make me giggle.

REDMADCURLS

Ha Ha serves him right!

taxi73

bet the boss didn't know where toput his face..lol

Herewego

Nearly at the end of another reallt tight month and what happens today, the car has died alternator gone managed to nurse it to work then called out recovery who have taken it to my local garage that i trust. Bill for this will be £170 thank god I built a bit of spare into the o/d but will still have to borrow some from the savings. O/D is going to be maxed out again think i am going to have to revisit the figures tonight, just knew something would go wrong why does it always happen all at once, back later with new figures.

Woowoo

That sucks HWG, at least you had a small reserve so it could of been worse.

Herewego

Not sure what to do reduce overpayment to Lloyds and put o/d and savings back or carry on with Lloyds and try and put a little back each month, i know i just have to overpay everything whilst interest is being added.

Woowoo

I would carry on with Lloyds and just replace the savings/overdraft little by little.

Herewego

I think i will everytime i see the interest added it makes me want to cry so i will carry on and any extras above £100 i make form ebay/ quidco etc I will put into savings.
Off to play with the snowball and see where im up to

Woowoo

Sounds like a good compromise x

Herewego

Probably not the best day to play snowball my current DFD is March 2012 but that is assuming all cc stay on current interest rates. I am going to not pay all my overpayment to cc but put £200-£300 in my savings account if nothing major happens during the month it can then be paid off cc that way i wont feel so worried if something happens.