My SOA - Any pointers welcome :-)

my_lightbulb_moment

I don't have £600 left at the end of the month but then we have just been buying stuff we wanted. So the SOA is with us being good. I will update the numbers a bit to allow for more money towards presents. The entertainment figure is for days out with kids as well as for us.

As for holiday, we do go away but this is covered by granny as she then gets to see the kids for 2 weeks. We don't spend any cash as she covers everything

I find it hard to have the overdraft with the bank account that we use as the primary account. I don't want NW to pull the OD and demand payment but it also makes paying off harder for me. So ebay sales have been good for me this month, and I have currently got £1000 left of the £6000 OD, we both get paid on Monday so hoping to knock the OD down to £5100. Is that the best way of doing it or should I do it another way?

Thanks again, it is already helping me just posting about it. looking at snowball figures it says if i have £500 spare a month that it is July 2014 when I am clear but like i said before come August will have £300 extra so in theory could be November 2013 that it is all paid off.

Joined Swagbucks and getting rid of stuff that I no longer us on ebay and just had a few auctions finish last night that came to a total of £70.

Popping over to up income board to see what else I can do, but again if you have ideas please post

Thanks all