1 debt in 100 days- official :)

Amara

Hello everyone
Thank you all for all your words of comfort :kisses3:
Today I called to my bank ,they sent me to their debt management team. Basically, time wasted. I have a choice now: to pay minimum payment on my cc and have another "late payment" on my record or to pay off overdraft to save myself from coming into further charges? I think pay overdraft. What do you think? I have decision time to tommorow.
Still, £2 into piggy bank

millionaire_in_training

oh Amara. I feel for you. We have no doubt all been there at some point. All you can do is keep doing your best. It'll come together eventually xx

£20 for me today so that is £388.86 / £688.86

Amara

Thanks, Milionaire in training. I've updated your status, £300 left, very sharp

sparkleisshopping

My quidco money came in today and it was £75.50 :j

My totals are now - £1326.59/2251.60

I'm really happy with this - my outstanding balance is now £925.01 so I'm now in three figures! Payday on friday so I'm hopeful for a good payment there

penelopedee_2

£18 for me today, £100 remaining.

Yargo1

40.00 for me today off the monument card.

cha97michelle

Amara a hard choice as you don't want to do either, but if not paying the OD causes more charges you get in that never ending cycle of the charges costing a fortune don't you. I think i would go OD as it will help you get sorted better in the long run, but i have never been there myself to say that is definitely best.

Few smaller overpayments today from an amazon sale, onepoll payout and bill being a bit cheaper.

Day 66 - £277.14/£500

Amara

Thank you, Cha97michelle. I've paid money into overdraft, is clear now, well, not clear, but into limit. DH gets paid in Friday so I'll pay cc and part of loan, I've been making overpayments on a loan, so perhabs that'll fine.

Amara

I'm upset because I've worked hard to pay everything on time and my credit score is important to me. Now is wasted I keep going though and determined to sort it out.

beanielou

Just keep plodding hun.
You are doing the best you can in difficu;l;t circumstances.