The journey starts here - don't stop believing

**Kat**_2

Do I?? I can't see it. I think there is something weird going on with the site today:huh:

Woowoo

Its gone now! Spooky

pennywisepoundstupid

Glad you managed to get sorted with gas/electric.

Kepp

Ooo, I would have been fuming with SWALEC! Glad you got it sorted now x

Lemon_Tree

glad you sorted out the leccy.
on the PMI issue, should this have not gone through your P11D Benefits document rather than your P60? this would then affect your tax code but not show as income. I know by putting it through your salary it is effectively taxed but i always thought i had to go through your P11D. May be worth checking out with CAB or someone.

**Kat**_2

Mainly positive with a little negative:

Just paid of Kays - it's GONE! We are now in the 7s rather than the 8s too so well chuffed. 0.2% away from clearing 1/4 of the debt so exciting that will be gone with this month's minimum payments.

We had an email in work today - almost certain we will be getting a bonus this year - will be enough to pay off the dreaded reserve and give us a buffer so we don't go back into it Need to just wait a couple of months to get it. Of course, if we have paid it off before then I will put it to use against the grad overdraft.

The negative - just got off the phone from tax credits (1hr in total including their hang ups and being on hold - not even freephone!!) we are not getting any payments until August as we "owe them money" - we have also been dropped to the lowest payments - £10 a week - same as family members who earn 5k a year more than us and pay for sod all childcare (not their fault mad at system not them, they're lush ) - we fork out £524 a month!! Almost not worth me working tbh!

Oh well - we're not the only ones it happens to....

Lemon_Tree

at least there's some good news in your last post - a bonus is great, and it will really get you out of your reserve. This could be the start of the big changes in your debt reduction, getting rid of the reserve will save you loads of money which you can then put against your debt.

pennywisepoundstupid

Well done on paying Kays off:j and fab news about the bonus:D.
:mad: to tax credits.

**Kat**_2

Yea I agree once I have the bonus (still won't believe it til I see it) and the reserve is gone I think it will be a much smoother ride. We still don't know if we are having payrises this year, if we do it won't be much but that will be extra debt money.

Kepp

Great news on the bonus, will be sooo good to see the back of the reserve!

And well done on Kays :T

Such a pain with the tax credits :mad: