Just wanted a little moan before bed

sistafromanothermista

Just a little moan, checked bank today and must have had a dd come out in the last 4 days as now over £800 OD :eek: with a vet bill to pay on Friday (£60)
We both get paid fri but once wages go in bills come out and od covered we'll be back in the red.

Rant over nearly made me weep today as i've been really motivated this week only to be bought back down to earth with a massive bump

mildredalien

Oh that sucks I've made a pact with myself to check my bank account every day - I used to avoid it back in the 'pre LBM' days and it always led to trouble!!

Is it an arranged OD you are going into, or will you incur lots of charges for going into it?

sistafromanothermista

mildredalien wrote: »

Oh that sucks I've made a pact with myself to check my bank account every day - I used to avoid it back in the 'pre LBM' days and it always led to trouble!!

Is it an arranged OD you are going into, or will you incur lots of charges for going into it?

Hi we have a £1500 agreed overdraft so i guess thats lucky (although doesn't feel very lucky :rotfl:)

I've got some vouchers saved up and unfortunately will be spending some tomorrow on a new printer so i can keep a really close eye on our finances, like you on a daily basis.

I'll get there in the end

broad-sword_2

:rotfl:Always keep an eye on the balance and know where you are.Served me well since I met the wife!

owen_money

I was the same as mildred, if i didnt look at the balance it couldn't harm me! Then i was in debt by £43k! I check a bit more often now

cottonhead

I am relieved to read this although sorry to hear your situation. We must have been posting at the same time. I just posted that my card was declined as a payment came out that I forgot about. Rubbish isnt it. Guess on the bright side things can only get better ! Good luck to us both for getting on better next month !!

Barbeduk

I know it seems a bit obsessive but i have a week by week diary and I write out the DD's that are coming out and total them up for each week, along with any cheques that are waiting to clear, and tick them off as they're collected. And I check the account every day too. Oh dear, what has happened to me, I've been MSE'd!!

It really doesn't take long once you're in the habit of doing it and it has stopped me from going OD, which used to happen all the time.

MFWannabe

I check my bank every single day, even though i know nothings going out. At least i'll know if anyone takes any money out that i haven't spent!!
On another note i always check till receipts now, 3 times now they haven't been right and thats in the last 3 times i've been to the supermarket

sistafromanothermista

cottonhead wrote: »

I am relieved to read this although sorry to hear your situation. We must have been posting at the same time. I just posted that my card was declined as a payment came out that I forgot about. Rubbish isnt it. Guess on the bright side things can only get better ! Good luck to us both for getting on better next month !!

Here's to us :beer: not going od next month (hopefully) i'm definately going to take the tip and check my bank everyday.

Learning2Budget

Don't be disheartened through, at least you are aware of your balance. I now keep a spending diary and do a daily balance check. Its taken a while but the debt is dropping.Chin up and keep going hun. L2B.x

sistafromanothermista

Learning2Budget wrote: »

Don't be disheartened through, at least you are aware of your balance. I now keep a spending diary and do a daily balance check. Its taken a while but the debt is dropping.Chin up and keep going hun. L2B.x

:kisses3: Thanks i will definately do this, going to set the printer up tonight and get it all sorted. Thanks for your advice