Having courage to be honest

40somethingmum

ruby1968 wrote: »

:mad:On another note whilst I have workng hard to reduce our debts a letter appeared on the mat today from NATWEST CC and to top it all I have kept up to date with all the payments and paid extra to bring it down, only to find in this letter a default note and a charge of £12.00 because of being £1.16 over the top of credit limit to which I had brought right down at the beginning of february and guess what they never told me that an extra payment would have been needed because I WOULD HAVE DONE IT !! bearing in mind that the card has not been used for 6 months because I want to clear it. so again how can it be over limit.

OK got that off my chest (feeling better)

Hi Ruby,

I also received a £12 charge from NW cc. Mine was for late payment. I pay via my internet banking as faster payment and they ALWAYS receive it on the same day, no problem. This month however the "faster " payment took an extra day to get there so I was late (not)and got charged. Makes your blood boil:mad:

ruby1968_2

:mad: hi ya furious :mad: all that extra money albiet small tokens has totally been wiped out, (why do we even bother some times) and it's not even my card it's DHs but it still counts as debt so needs sorting. never mind will keep plodding (in wellis as have that sinking feeling) arm band time I can swim:rotfl:

ruby1968_2

:hello:Well thats the end of another day:) I have gone to bed to get away from DS ans DD as they are arguing again:eek: so decided enough.
Today I have sorted out our finances for next week as it's payday tomorrow:) have already set up my bank act ready for transfer from DH to mine as I pay all the bills and budgets for the month.
as it stands of tonight my act stands at 0.00 which is easier for me as I have an exact amount to start with.

So I have updated my signiture so all my details are updated and all my bills are paid.

note to self: update diary after daily budget spends.

also have 1 more sold item on ebay and the others have watchers:D

ruby1968_2

:eek:Having just checked my credit score :eek: I now feel totally shot to pieces:(:( not good (needs sorting ) but how? I'm doing everything I possibly can. when I checked back I was in a good position .
note to self: must try harder although any harder I'd be a rock:rotfl:

40somethingmum

ruby1968 wrote: »

:eek:Having just checked my credit score :eek: I now feel totally shot to pieces:(:( not good (needs sorting ) but how? I'm doing everything I possibly can. when I checked back I was in a good position .
note to self: must try harder although any harder I'd be a rock:rotfl:

Ruby ,

Just keep doing what you have been doing and you will be alright:)

ruby1968_2

been very busy today started early 07.15am tesco's, 08.00 college run then post office pay rent and water rates, took DS shoes to coblers to be fixed cheaper than new pair, got hubby to take me for breakfast, collect ds form college picked up some car parts for dh car,slept housework checked all payments have been made and I am very pleased with myself as I have managed to pay on time and before due date, am all spent up for this week now.

not expecting anything for mothers day but would like some piece and quiet would be nice.

beanielou

Wow you have been busy.
Have a nice weekend.

ruby1968_2

:)thanks beanilou you too, hopefully we'll have some nice weather also:cool:, got the washing on already going to be putting that out soon but doesn't look too good at the moment:( hopefully it wont rain.

ruby1968_2

:hello: I have padded £3.39 today, O/D £1.89 and on catalogue £1.50 every little helps and is certainly making a difference to outstanding debt:T, and as tomorrows another sunny day I am going to put some summer bulbs in.

I have a lovely weekend with my DH, spending time together just pottering and as DS and DD made themselves scarce it was even better.;)

40somethingmum

Ruby,

How are you doing this week ?

40Smxx