Start of a hard battle!

pinkl0ve27

Also going to get an un openable piggy bank so the spare pennies or pounds I collect I can not reach in and get without smashing it first (lol when I actually get paid so I can buy one)

HeadAboveWater

I have a tin (Winnie the Pooh actually! ) that I throw ALL my loose change into. I generally only carry notes about with me if I can. Once a month (usually about a week before payday), I'll go through the tin, bag it, and lodge it in the bank. It's usually around £60ish every time, and has been over £80 a couple of times too! It's like a wee bonus for me in the last week before the wages arrive. It may seem a lot sometimes throwing in £1 or £2 coins, but it doesn't take long before you hit the £20 mark

pinkl0ve27

HeadAboveWater wrote: »

I have a tin (Winnie the Pooh actually! ) that I throw ALL my loose change into. I generally only carry notes about with me if I can. Once a month (usually about a week before payday), I'll go through the tin, bag it, and lodge it in the bank. It's usually around £60ish every time, and has been over £80 a couple of times too! It's like a wee bonus for me in the last week before the wages arrive. It may seem a lot sometimes throwing in £1 or £2 coins, but it doesn't take long before you hit the £20 mark

I am inspired by many people to do it.
I sometimes get tips at work so that is where I will throw most of them too

astispumanti

Subcribed, il track your progress and hope to get some fab tips

pinkl0ve27

I may have some good news I think. I called up Natwest to see if I could decrease the amount I pay on my monthly loan back and even though that is not possible I am awaiting a call back because the man Richard said I may be able to increase my loan to pay off all the PDL's + my overdraft ( think he said consolidate ) and then work out just my ONE monthly Natwest payment on which I can pay back.

Does that sound like good news?

The_Boss

pinkl0ve27 wrote: »

I may have some good news I think. I called up Natwest to see if I could decrease the amount I pay on my monthly loan back and even though that is not possible I am awaiting a call back because the man Richard said I may be able to increase my loan to pay off all the PDL's + my overdraft ( think he said consolidate ) and then work out just my ONE monthly Natwest payment on which I can pay back.

Does that sound like good news?

It does given that the interest will certainly be lower and your debts will be in the same place.

Plus if you can overpay each month you will get an interest rebate.

pinkl0ve27

Knowing that I am only paying one loan as apposed to all ofthem sounded good to me and will mean adios to the PDL which are such a grievence.

pinkl0ve27

Thats if I am able to fingers crossed!

poledancer49

Well done...I gave up yesterday!

pinkl0ve27

I rang back Natwest. They were able to consolidate my old loan, overdraft and my PDLs into one loan which I will pay back over 5 years. Its a long time but at least I will have the PDL's out of my hair. One loan is easier to deal with than all them little loans so I am happy. I can finally smile and sleep easier!