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Bank have cancelled my overdraft

124

Comments

  • shop-to-drop
    shop-to-drop Posts: 4,340 Forumite
    Did you offer them the £90?
    :j Trytryagain FLYLADY - SAYE £700 each month Premium Bonds £713 Mortgage Was £100,000@20/6/08 now zilch 21/4/15:beer: WTL - 52 (I'll do it 4 MUM)
  • BlueMonbee
    BlueMonbee Posts: 48 Forumite
    Did you offer them the £90?

    no because the £90 is paying other debts. I am paying £30 a month to 3 different creditors which was all going to be paid off in the new year.

    The bank want me to pay them £160 which will be on top of the £90 I'm already paying to others. This leaves me with more outgoings then incomings.
  • shop-to-drop
    shop-to-drop Posts: 4,340 Forumite
    OK if this was me I would go get an extra job that pays around £200 each month and will fit around my fulltime work. Go to agencies and approach direct. Some jobs are easy to find and start quickly. You could do early morning/evening cleaning. Weekend's in a care home etc. You would soon pay off your overdraft and other debts too. In addition you may make other new friends, contacts and may possibly even enjoy it.
    :j Trytryagain FLYLADY - SAYE £700 each month Premium Bonds £713 Mortgage Was £100,000@20/6/08 now zilch 21/4/15:beer: WTL - 52 (I'll do it 4 MUM)
  • BlueMonbee
    BlueMonbee Posts: 48 Forumite
    OK if this was me I would go get an extra job that pays around £200 each month and will fit around my fulltime work. Go to agencies and approach direct. Some jobs are easy to find and start quickly. You could do early morning/evening cleaning. Weekend's in a care home etc. You would soon pay off your overdraft and other debts too. In addition you may make other new friends, contacts and may possibly even enjoy it.

    I love it when people make it sound so easy.
  • shop-to-drop
    shop-to-drop Posts: 4,340 Forumite
    BlueMonbee wrote: »
    I love it when people make it sound so easy.

    Have you tried that then? Where do you live?
    :j Trytryagain FLYLADY - SAYE £700 each month Premium Bonds £713 Mortgage Was £100,000@20/6/08 now zilch 21/4/15:beer: WTL - 52 (I'll do it 4 MUM)
  • BlueMonbee
    BlueMonbee Posts: 48 Forumite
    Have you tried that then? Where do you live?

    I can't cope with 2 jobs.
  • shop-to-drop
    shop-to-drop Posts: 4,340 Forumite
    BlueMonbee wrote: »
    I can't cope with 2 jobs.

    Not even for a short period?
    :j Trytryagain FLYLADY - SAYE £700 each month Premium Bonds £713 Mortgage Was £100,000@20/6/08 now zilch 21/4/15:beer: WTL - 52 (I'll do it 4 MUM)
  • BlueMonbee
    BlueMonbee Posts: 48 Forumite
    Not even for a short period?

    No. I barely manage to get through the week as it is.
  • shop-to-drop
    shop-to-drop Posts: 4,340 Forumite
    BlueMonbee wrote: »
    No. I barely manage to get through the week as it is.

    Have you been to the doctor? Doesn't sound good as I got the impression you are young and single.
    :j Trytryagain FLYLADY - SAYE £700 each month Premium Bonds £713 Mortgage Was £100,000@20/6/08 now zilch 21/4/15:beer: WTL - 52 (I'll do it 4 MUM)
  • shop-to-drop
    shop-to-drop Posts: 4,340 Forumite
    Even after tax it would only take an extra 8 hours paid work a week at minimum wage to cover your overdraft payment.

    Think how wonderful it would make you feel to be debt free.
    :j Trytryagain FLYLADY - SAYE £700 each month Premium Bonds £713 Mortgage Was £100,000@20/6/08 now zilch 21/4/15:beer: WTL - 52 (I'll do it 4 MUM)
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