Thats another fine mess I got myself into

Lemon_Tree

congratulations on reducing your debt by 10%.

i never thought i'd see the light, but suddenly it was as if i'd turned a corner and the spiral started working in my favour and the more i paid off the more my debt reduced. Now i know that sounds silly, but after interest was added i never cleared as much as i paid IYKWIM

REDMADCURLS

Oh I know exactly what you mean!

I am paying almost £1000 and only clearing less than £500!

But as you say the day will come when I am paying more loan/cc than I am interest and that is one day I will cherish!

You on the other hand are most definately past that day, your tunnel is dug and you can see the light

taxi73

Know that feeling well re paying loads and only reducing a bit.
You will get there and as the debt reduces you may get some 0% or low LOB transfers to help out....

In_my_dreams

Know exactly what you mean about the interest, I paid a massive £1500 off this month and only reduced it by £990 - bit demoralising but as Taxi said hopefully in time some 0% or LOB offers will come along as it reduces - at least it is moving in the right direction

Woowoo

I am loving the idea of a National LBM Day!

Lemon_Tree

it would be a great thing wouldn't it.
I am starting to wonder if the Light bulb is flickering for the government at the moment. guess we'll see soon how bright it is.

hypno06

As one who has been there, with the stupid 29.9% APRs, I can catagorically confirm that it DOES get better!

Keep going - you are all doing far better than you give yourself credit for!

Be proud, fellow debtbusters!!

REDMADCURLS

Good Evening

Another update from the Bank that likes to do whatever the F**k it likes - Absurd & Ludicrous

If you transfer £300 from your account it leaves that second and arrives the next second (faster payments). You can only complete one faster payment a day.

If you transfer more than £300 it takes 3 or 4 days to arrive at choosen destination. It, of course, also leaves your account that second! (And I wonder who gets the interest on that!)

A&L have the most bizzare system I have ever observed. It is now a serious aim (even before CC) to get o/d down to First Direct level so I can switch! I think they have become my new Ricardo!

REDMADCURLS

hypno06 wrote: »

As one who has been there, with the stupid 29.9% APRs, I can catagorically confirm that it DOES get better!
!

How I love my massive interest cards :eek::eek:

But thank you for the reassurance!

REDMADCURLS

Today was an ok day.

I am still frantactially moving money from peter to paul and hoping tom doesn't call but once this week is over, it should be easier. However, by being so vigilant I am ensuring no charges so far, which is the important thing.

I have also realised why this diary is so important to me...............it truely is the place where I write what is in my head re figures. DH doesn't have the attention span to listen while I 'move this to here and then to there and if I ebay a zillion things I am good for 36 hours! Here I just collect the thoughts together and try to make sense of them. And bless you all you read this nonsense!