Determined this is my last debt diary

clearmydebts

RBS card is now gone. I am going to destroy that tonight and cancel it. Next stop is getting rid of the overdraft. Then I am on 0% debt until next April!

Quick update from me. I have applied for the full-time job and have an interview in 2 weeks time. OH has also applied for 2 jobs in Ireland - one in his area and one not. Either way, I reckon he will be back home to Ireland for Xmas

wendz86

Good luck with the job interviews.

Well done on the RBS card, must feel good to be rid of that.

Hope all the family are ok.

clearmydebts

Thanks Wendz. The job interview for me is not until next Monday. I have mixed feelings, as if I go full time it means OH can come home, but I don't get to be a SAHM anymore. If I don't get it, we stay the way we are and neither of us are happy with that

In money news - yay I am under 16k I will be able to clear my overdraft with this months wages. Then as I am on 0% credit cards I am tempted to overpay on my mortgage until Xmas and then concentrate on the debts again, as we remortgage next year (May) and I would like to have a better LTV than we have. Anyone any suggestions?

Dinah93

Go with what makes you feel most secure. We're in a similar boat in that once our car loan is paid off in September we only have one credit card and it's 0% until May, whereas the mortgage is at 5.9% and we are re-mortgaging at the beginning of 2014. For me my head says overpay the mortgage, but my gut just wants not to be in debt any more.

clearmydebts

Dinah93 wrote: »

Go with what makes you feel most secure. We're in a similar boat in that once our car loan is paid off in September we only have one credit card and it's 0% until May, whereas the mortgage is at 5.9% and we are re-mortgaging at the beginning of 2014. For me my head says overpay the mortgage, but my gut just wants not to be in debt any more.

I agree with you 100% about not wanting to be in debt anymore. My head is telling me to just get rid of it. We have a terrible rate (6.19%) as it was before the bank crash and we are BTL so surely we have to offered a better rate than that!

clearmydebts

Had a terrible interview today The interview was that old-style where they try to catch you out. How they expect anyone to sell themselves with that type of interview I will never know. I did give as good as I got though!

OH has 2 possible job opportunties in Dublin. Am really hoping his follow through and then I won't have to think about full-time work at all!

clearmydebts

OH has a job interview in Ireland on Friday. Am so excited at the possibility that he might be moving home

Kepp

clearmydebts wrote: »

OH has a job interview in Ireland on Friday. Am so excited at the possibility that he might be moving home

Great news, fingers crossed for him

Dinah93

Really hope he gets it, be fantastic for your family. Is the job doing what he does now?

clearmydebts

Thanks Beccie and Dinah.

Dinah - yes the job is for what he is doing already. The money would be ver good, so it would mean I could be a SAHM. The job I have been doing in have asked me to stay on for 1/2 aday til Xmas and then potentially 1 day a week after Xmas. It doesn't sound much, but the money is actually really good, so it would enable me to have some financial independence.