Regular Ramblings from LookingAhead

hypno06

So, not done much then :rotfl: :rotfl:

I think you should try harder, my girl :rotfl: :rotfl:

If that is just a smaller list, I would be dead impressed with the full caboodle!

:T :T :T Well done, you are doing so well :T :T :T

taxi73

Wow that's fantastic LA...I want you to look at this list every time you feel you are getting nowhere....as obviously you have climbed mountains already....and you are such an inspiration to the others on here...never feel you aren't contributing on here as you have helped loads of people on here and I'm greatful as are many others ...this board is not just for when people are happy...it's also for when we are sad as well!!!

taxi73

Hi LA ...just popped in to check you are ok....have a nice week-end

hypno06

taxi73 wrote: »

Hi LA ...just popped in to check you are ok....have a nice week-end

Hope you get chance to enjoy the sunshine. Don't forget the suncream x

atypicalblonde

Hi LA, just popping in to say hi and see how you are.

I had a thought re. your overdraft - please forgive me if what I'm going to suggest isn't suitable for you/you've already tried, I haven't read through your diary completely yet so if I'm not helping apologies in advance! I had an overdraft similar to yours, and was getting so fed up when money went in every month that it was effectively *swallowed* by the overdraft. I have now set up a new bank account which my money goes into, and every month I transfer a certain amount, whatever I can afford within that month's budget, over to the overdraft account. Whatever I had transferred over, e.g. £50, I then call the bank and ask them to reduce my overdraft limit by that amount. It means it cant possible get back up to its max limit (mine was £1500), and its limit is now £1450. I have been doing this for 2 months now, and have managed to pay off over £400, each time reducing my limit further so it simply cannot get so high again.

HTH hun x

LookingAhead

Howdy! I am fine thanks. Another expense has cropped up via dead washing machine as of today but I think BF will be doing something about that as he got a bonus at work recently and...he works for an appliance manufacturer that conveniently do washing machines as well. So tomorrow he will be checking out the cost.

ATB=I did think about doing the same for my overdraft but the thing is, they can recall the whole amount of money back at any time especially if I take my salary deposit elsewhere & I am terrified that the bank will exercise that right.

There is no way I could repay it so, I'm trying to bring it down each month between now and August/September to a more manageable level - even say being overdrawn by £200 would be better psychologically (but of course I want to be in the black not the red at all).

But honey - thank you for thinking of me and taking the time to post the suggestion I really appreciate it.

Good luck in reducing yours too.

taxi73

Hi LA...nice to hear from you....sorry about the washer...these things are always inconvenient aren't they?...lucky he works in a electrical place...so at least it'll help a bit....hope everything else is ok for you ...take care xx

atypicalblonde

Hi LA

No problemo hun. Stick at it chick- we will get there in the end I am sure of it.

PS - Pleeeeeeeease keep rambling!! xx

LookingAhead

ATB = We're really similar aren't we in overdraft terms - mine will be back up to £1000+ within a week or so!

Good luck with your aim of July.

I was hoping mine will be all but gone by September pay day (originally I was pushing for June - no chance now!) so I will update this thread (and my siggy) as I go along. You may have to forgive any stroppy/low moments as I go along though.

lynsayjane

hiya hun, seems I've missed a couple of updates from you, nippin off to bed two hours ago (haha) so not got time to catch up just now, was just wantin to check the challenge thread.

hope your smile is still on, keep thinking of you and how your doing, will hopefully be on tomorrow with a little more time, 12 more sleeps till my exam tho so :eek:

look after yourslef chicken xxx