The journey starts here - don't stop believing

**Kat**_2

Thanks for subscribing. That's what we currently had, but only as we paid for the MOT using the money that was in there rather than reserve money. I get paid tomorrow so will be updating sigs then (I think the Reserve has been reduced by our careful spending which is one of the best things that could happen).

After Christmas I will be paying loads more into the debt pot as I will pay my tips from job 2 in but I am using them to buy Christmas presents atm (but at least my wages are being left alone )

Woowoo

Hi Kat

Found you

Will catch up on your diary later, need to do some work now!

**Kat**_2

Thanks Woo know what you mean I haven't really checked in at all today (so not like me lol)

**Kat**_2

This month we paid an extra £239.03 ish off debt. Haven't included the barclay loan as it's the normal monthly payment only. The percentage is low due to our loan payment mainly coming off the interest so that hasn't dropped much but it's a step in the right direction

Woowoo

£80 is a good amount in the run up to Xmas Kat, don't be too disappointed x

**Kat**_2

I've changed it now - couldn't add (forgot I should add it seperately as the loan payment is just the normal loan payment and gets eaten by interest, plus also didn't include that payment when adding up DOH!)

Woowoo

I did just think doh I obviously totally misread your post lol!

Woowoo

How does the Barclay Reserve work Kat?

**Kat**OH**

you have your normal overdraft but this is called a reserve overdraft which means that once you go over your alotted interest free overdraft then you have to start paying £22 per 5 working days as you are in the reserve overdraft.

Woowoo

Morning Kat OH

Sounds like a good way to rob customers for more of their hard earned pennies!