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

Woowoo

Hi Sky

Go and have an awesome holiday and don't worry about your boss that's their issues not yours.

Good luck with your new job, and start a diary when you get back and I'll read and post I promise (as long as you tell me when you've started it lol) x

Kepp

Hey Woo,

Know what you mean with the overdrafts, even though they are less interest it's so annoying to always see your balance in the minus figures!

On my snowball mine are the last things to be paid off cause of the APR.

I know it's probably not the most MSE way to do it but I've started saving my spare change towards it - each time I get £50 I'll pay it off and get the overdraft reduced cause they'll only reduce it by £50 a time.

And I'll read your diary too Sky!

Woowoo

Hi Beccie

I've thought about doing that as well, but I just end up paying off my credit card in the end.

Lloyds are the bane of my life but one day I will be rich and they won't see another penny from me!

Happytogetdebtfree

Tired and waxing do not go together :O catch up soon need sleeps im fading fast xx

Woowoo

Night Happy!

Lemon_Tree

hi i'm a bit late in on the overdraft question but seems like you worked out it's best to pay off the credit card first.

I've just realised i paid mine back (because i was worried they'd cancel the thing) when i should possibly have used that money to repay back a loan a few months earlier than i actually did. But at least now it's paid back, and i probably saved as much doing it this way as mine were loans and therefore most interest was front loaded.

Woowoo

Hi Lemon Tree

I too have the same fear about the overdraft being recalled, it's up for review in Feb but I think it will be fine as I cover the interest every month and therefore the continue to make money off me. My only concern is my wages get paid into Natwest now so when they review it in Feb they may see this as a reason to recall.

If this happens my mum will lend me the money, I can't ask her to do this unless they recall it though as she doesn't really have it spare.

REDMADCURLS

Well if they do recall it, could you then come to an 'arrangement' with them.

But then again, why worry until it happens.

Woowoo

I kind of hope they do recall it so then I can borrow from my mum and have one less thing to pay interest on!

I will just deal with it if and when it happens.

Woowoo

The girl that's having the leaving night out has just spent 20 minutes in my office persuading me to go out with them. She kept insisting she will pay its fine blah blah blah. There is no way I am letting her do that, so I am going to borrow the money off my mum until the end of September.

I'm sure I will have a good time, although she proper guilted me into it!