The journey starts here - don't stop believing

Woowoo

It will be a fantastic feeling when you finally get shot of the awful reserve, they are such robbing gits!

**Kat**_2

I know I really can't wait. They are robbing gits, if it wasn't for the charges we would have been out of it the month after we got in it!

**Kat**_2

Woo hoo another % barrier now 14.7% - £75 off SWALEC

**Kat**_2

Bought my tax today. Had £ from job 2 so didn't have to touch the debt pot.

Won't pay any ££ into it this week until possibly Saturday but I didn't have to take any out which I thought I would have to do so good news anyway.

Now, I'm not saying I haven't smoked at all since going on the patches as I have had a few puffs here and there, however, I have not bought a pack since last Monday . DH is (hopefully) jumping on the quitting bandwagon so think of the money we will have to throw at debt! (I have saved £27.19 so far according to SilkQuit monitor). When we are out of the dreaded reserve I think we will see the benefits more rapidly.

Woowoo

Well done Kat, I know how hard it is quitting but you will get there x

Lemon_Tree

i have to admit i'm totally confuddled about your reserve thingie, i'm sure i've asked but it just won't stay in my head. Like many things at the moment.

Well done on your quitting, are you keeping a log of what you can save and put towards debt from your ciggie money?

**Kat**_2

I will do once out of the reserve. It's basically an authorised overdraft on which they can charge you £22 per working week (i.e. every 5 days) to be in (even if it's 1p!!). The bank won't change it to a normal overdraft though, even though it's cleared every month when we get paid (it's just we were in it by so much we still go into it every month but not by as much).

Some months we were charged £72!

Woowoo

It confuses me too, apart from the obvious part that they are robbing scumbags - that's all too clear!

Lemon_Tree

Kat that sounds criminal to me, but then what can you expect from Banks these days?

**Kat**_2

I know! Never mind.

I would like to report the following:

Quit for - One week, four days, 11 hours, 30 minutes and 43 seconds. 172 cigarettes not smoked, saving £47.61. Life saved: 14 hours, 20 minutes.

I think that's pretty great

I haven't had any wages from job 2 this week as I have a virus and have totally (literally totally) lost my voice. I hope it's back soon, I miss it loads.