A journey of a 1000 miles must begin with single footstep....

**Kat**_2

I think it's a great plan Woo - and once done you won't be using debt to pay off debt which is what technically any of us with an overdraft/*erhm* reserve.... is doing.

You've been quite quiet here recently, hows it all going? xx

Woowoo

Hi Kat

I don't use the account anymore as I hated seeing my wages go in and still be in minus figures! I just transfer over the required interest payment every month.

Once it's gone I will be one step closer to saying goodbye to Lloyds.

I'm really good thanks, have been seeing the guy I mentioned I had a date with. He's coming to a wedding with me on Saturday

Herewego

I think its a great idea going for th OD first plus when its all paid off Lloyds should be lower anyway.

Hope you have a good time at the wedding with your mystery guy

Lemon_Tree

sounds like you've some pretty good plans there Woo. at least you'll feel that you're achieving something and OD's are soul destroying, once you get into them they're so hard to get out of.

**Kat**_2

Oooh, so going well then happy for you, nice to "see" you having fun!

I wanted to open another account to do the same for the reserve but no-one would give me one. I don't understand why, my credit rating surely can't be that bad - no legal proceedings against me, even when you've been bankrupt you can have an account within 6 months now!!!

LittleMoog

Hi Woo, nice to hear it's going well with your new bloke, you deserve some fun times and a bit of pampering! How's it going living with your friend, are you all settled in now? I can't live with friends, I tried it twice at uni, and we ended up not being friends by the end of the year. Made up pretty much as soon as we moved out though I think I'm just incredibly easily irritated by stuff, I need a lot of personal space in my home. Even DH annoys me sometimes :rotfl:

Good luck with the overdraft, I'm sure you'll chip it away in no time with all your random payments :T

**Kat**_2

I agree. I'm bad at living with people, I have decided it's me not them lol xx

Woowoo

I am finding it absolutely fine living with my friend, we work together as well so thought it might all be a bit much - but so far so good

Herewego

Glad things are working out well for you, you deserve some happiness and im looking forward to hearing how things progress with the new man. Also looking forward to seeing that OD reduce.

Woowoo

Had another lovely date last night

Pay day on Friday, I really need it as I'm poor but happy!