Keeping up appearances.......

inmypocketnottheirs

Just a tip of how I got out my overdraft situation. I asked the bank to reduce by £50 per month. Much less painful.

Piquant_2

HappyNow wrote: »

T.

My overdraft limit is £5000 and the account literally NEVER goes into credit. I am pretty embarassed by that, and I don't want to have to talk about it with the bank staff. Last time I was forced to ring them they asked me about whether I needed help, should I be looking at converting it to a loan etc. It was all a bit humiliating and actually I have deliberately decided to leave the overdraft as the final debt to bust. The interest rate isn't too silly and the first £1000 is free. But the main reason for leaving it until last is psychological. If I was to tackle it first I would be at risk of running it up again in an emergency and I don't want to have that option available to me.

Well my trial Fairy dishwasher tablets arrived yesterday. Twenty of them and they smell very nice. I only buy cheap ones usually or ones on offer so these seem really luxurious .

Exactly the same reason why I'm leaving my overdraft until last. I know I'd use it in an emergency and it would be money paid back wasted. I haven't been in credit on mine for years either. I'm pointed at the last two cards, then I'll tackle the overdraft.

My tablets arrived yesterday too! I didn't take photos of the family gathered round whilst I opened the package, as suggested, did you?:rotfl::rotfl:

Piq

Money_mayhem

Hi :wave:

I'm intrigued to know about the site your using to trial products, sounds like something I would find very useful...especially if it's laundry related, my washer's never off :laugh:

I agree with your od being the last debt to tackle, I'm hoping to decrease mine as and when I can, I upped mine to the max to stay afloat during maternity leave but they are so hard to get rid of but short of winning the lottery, there's not a lot I can do about it at the moment.

Keep up the good work

PinotGrigio41

I'm back and prepared to defend my honour!!
Red wine or not it most definitely was not me that was sik in the corner after granny and I had our late night party! Apologies for all the mess, next time I will make sure granny tidies up ! :rotfl: we will all be very noisy in order that you wake up and never miss your own party again!

I can't believe you and Piq have received your trail laundry tablets. I don't think I got he email we're they the same people trialling the dishwasher tablets that I could never have used because I still have no dishwasher ?!

I agree with leaving the overdraft until last , but I would definitely try and ask them to refund the £25, if you dont want to call them , maybe put a quick letter together. They can only say no, but it's worth a try.

Glad to see you seem to be doing so well during my enforced absence x

lucielle

I got my tablets as well and no I didn't take any photos. I paid one overdraft off by asking the bank to reduce it by a weekly amount. £1900 paid back sort of painlessly.
L

HappyNow

Money_mayhem wrote: »

Hi :wave:

I'm intrigued to know about the site your using to trial products, sounds like something I would find very useful...especially if it's laundry related, my washer's never off :laugh:

I agree with your od being the last debt to tackle, I'm hoping to decrease mine as and when I can, I upped mine to the max to stay afloat during maternity leave but they are so hard to get rid of but short of winning the lottery, there's not a lot I can do about it at the moment.

Keep up the good work

Hi MM, thanks for dropping by and good luck with your debt-busting .

The site for trialling is www.savvycircle.co.uk. I signed up in January this year and so far I have done two trials - this Fairy dishwashing tablet one plus one for Olay Total Effects face cream. The samples are generous and they usually include money-off vouchers too. You are expected to complete questionaires on the products but it doesn't take long and it is actually quite fun! There are probably more sites, and I keep meaning to check, but this is a good one that I just stumbled across. You've missed the Fairy one now, but get signed up and they will email you when another one is available x

HappyNow

inmypocketnottheirs wrote: »

Just a tip of how I got out my overdraft situation. I asked the bank to reduce by £50 per month. Much less painful.

lucielle wrote: »

I paid one overdraft off by asking the bank to reduce it by a weekly amount. £1900 paid back sort of painlessly.

Thanks for the suggestions . I think that is the best way for me to tackle it when it eventually comes round to the overdraft's turn (approx 2017 ). At £5000 it is too big to clear in one hit, and overdrafts are just too easy to access, so definitely as I reduce it I should ask the bank to lower the limit so I can't use it again. I've checked into the interest rate today and it's 0% for the first £1K, then 14.9% for everything over that so I think I need to try to juggle my direct debits so that I keep it as low as possible for as long as possible each month. Hmm, I need to look at that, thanks for prompting me .

HappyNow

PinotGrigio41 wrote: »

I'm back and prepared to defend my honour!!
Red wine or not it most definitely was not me that was sik in the corner after granny and I had our late night party! Apologies for all the mess, next time I will make sure granny tidies up ! :rotfl: we will all be very noisy in order that you wake up and never miss your own party again!

I can't believe you and Piq have received your trail laundry tablets. I don't think I got he email we're they the same people trialling the dishwasher tablets that I could never have used because I still have no dishwasher ?!

I agree with leaving the overdraft until last , but I would definitely try and ask them to refund the £25, if you dont want to call them , maybe put a quick letter together. They can only say no, but it's worth a try.

Glad to see you seem to be doing so well during my enforced absence x

Hello, welcome back . I shall nip across to yours and see what you've been up to. No worries about the party up-chuck, it's all cleaned up and it didn't leave a stain on the page .

The trial IS the dishwashing tablet one, not laundry tablets, so you haven't missed out. They're very posh ones, right up your street (if you only had a working d/washer).

I've been thinking about contacting the bank either by phone, letter or email but it is making me stressed so I have decided against. I don't want to bring myself to their attention - I expect I'm only looked at by computers at the moment and it's probably worth £22 to keep it that way!! Lesson learnt though, it won't happen again.

HappyNow

Piquant wrote: »

My tablets arrived yesterday too! I didn't take photos of the family gathered round whilst I opened the package, as suggested, did you?:rotfl::rotfl:
Piq

lucielle wrote: »

I got my tablets as well and no I didn't take any photos.

Ha ha, no photos here either. If I had, mine would have been a very bizarre one of Mr Happy excitedly tearing open the box thinking it was a book he'd ordered, followed by one of his very puzzled, disappointed face. Not what they were after at all .

PinotGrigio41

I'm so upset they didn't pick me for the dishwasher tablets, maybe I'm just not posh enough !

Can just imagine poor Mr Happys face when the parcel wasn't the book he ordered ! :rotfl: