It will be GONE !!!

Woowoo

Hi HWG

Glad you enjoyed the wedding. Hope you manage to ward the cold off.

You are getting so close with Lloyds now, anytime soon you will be ringing them to close your account x

Herewego

Evening all, DH has kindly passed on his man flu to me
MM cheque has arrived today so I am off to the bank with that tomorrow. I have also bagged my £2 coins and pinched some of DH change he keeps leaving laying around and I have £45 to send to Lloyds.
I am a bit worried I have overstetched us this month but I have had a lot on and DS birthday so I am going to try and keep within budget next month and if it doesnt work I will have to adjust the overpayment slightly. I am slightly horrified by the amount of interest we are still paying so I am desperate to get this down asap, to do this I need to clear Lloyds and hopefully get a BT even if it is only for 6 months.
Next month our mortgage reduces so will free up another £400 for debt payments.

Woowoo

That extra £400 a month will make a massive difference HWG x

Herewego

Extra £400 already in the plan.
Just found a cardigan that I bought for the wedding which i didnt wear so going to return it tomorrow £16,i,m going to add it to my shopping budget as so far it is very small for the next 2 weeks about £60 cutting everything back to the bone for a few weeks just to get back on track and reduce the overdraft a bit more.

Herewego

Ebay money arrived in my account today so another £45 to LLoyds that now takes the balance under £4k :j
I still have a few other bits of money to come which will be sent to lloyds as soon as it arrives.
The building society letter has arrived today showing our new monthly payment amount although it doesnt start until the end of October.
:jOnly one day to get through and its payday :j
Im going to meal plan for the next week as im sure that will help with spending and getting me back into a good routine

kezzygirl

lol herewego...do you work for the nhs? i get paid friday too!

Herewego

No but have been there and done that many years ago, how bad is it that i have just been looking what day i get paid next month and havent even got past this one yet.
I have had to reduce my overpayment by £200 this month as not sure we can get by on so little and anything that is left at the end of the month can go to debt or DS school trip still have £320 to find for this.

Woowoo

Very well done on getting Lloyds under £4k HWG, that's brilliant x

REDMADCURLS

WOW - brilliant news re Lloyds!

Wouldnt worry about the reduction in overpayment, you will find it!

Cialilerin

Think you're doing fab to make any overpayments. You've just reminded me I have to make final installment on my kids school trip next week....