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rainy weds 14th Chat

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Comments

  • downnotout
    downnotout Posts: 606 Forumite
    It is persisting down with rain here, I just hope the electricity doesn't cut out. I have some Uni work to complete tonight for the morning.
    currently wondering if it is worth having NSD's all the way to the end of the month (except for DS birthday and petrol) to put my account in to the black for the first time in 8 years (when I was 18 :O) or go out and spend a little and still battle on with my debts.
    TOTAL AT START £13606.90 27/03/2018
    TOTAL CURRENT £13445.90 29/03/2018
  • beanielou
    beanielou Posts: 97,033 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    downnotout~Great idea to have NSD's & get your account back into the black.
    There is a NSD thread if you want to join in.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Pooky
    Pooky Posts: 7,023 Forumite
    1,000 Posts Combo Breaker
    I was having a NSD until DD1 did big puppy dog eyes when the ice cream van came round.

    I'm a soft touch.
    "Start every day off with a smile and get it over with" - W. C. Field.
  • clairewop
    clairewop Posts: 8,007 Forumite
    I've had an nsd day :) mum paid for my shopping :)

    just listed the three items on ebay i was too tired to do last night. need to take pics of what else has been sorted. but cannot be bothered at the moment, but i have 17 items listed so not bad
    Boiler pot £30.92/£1000
  • downnotout
    downnotout Posts: 606 Forumite
    My overdraft has been 600 and then 150 reserve fee so I have loved in the reserve fee for over 12 months. I have never been in a position to get out of the cycle due to the 22 pound a week fee, over a month that has worked out as being 66 a month. Through various things (wages, tax rebate, frugal living) I have managed to get to a position where my account will be in the black firths first time in years, by the end of the month. Origianally I was going to reduce my overdraft by a couple hundred. But now I am so close to clearing it, I am very tempted to live extra tight for two more weeks and then it's gone forever, and a huge slice of my debt cleared and no more 66 pound expences. I'm sure I will feel the benefit almost immediately.
    TOTAL AT START £13606.90 27/03/2018
    TOTAL CURRENT £13445.90 29/03/2018
  • beanielou
    beanielou Posts: 97,033 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    https://forums.moneysavingexpert.com/discussion/comment/34734103#Comment_34734103

    For downnotout.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Definitely seems worth it DNO, £66 a month is a big saving.
    No longer using this account for new posts from 2013
  • littlemisschocolate
    littlemisschocolate Posts: 2,779 Forumite
    Wants to scream!!

    I need to study butmy OH wants to talk! And if I say I need to study I get the you don't love me anymore guilt trip! ARGH
  • beanielou
    beanielou Posts: 97,033 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    downnotout~That really sounds like a great plan.
    What an amazing saving every month.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    littlemisschocolate wrote: »
    Wants to scream!!

    I need to study butmy OH wants to talk! And if I say I need to study I get the you don't love me anymore guilt trip! ARGH

    Repeat after me (to him obviously not me!)

    You know I love you so much. Having established that, you now have 10 minutes*. Then as you love me you must let me study so I can continue to keep you in the manner to which you are accustomed.

    * amend as applicable

    B :D
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'         48% off mortgage
    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB
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