A new debt free journey

lcc86

Expenses have been paid this morning so I sent the money straight to my loan :beer: That's £180 plus interest saved. They seem to take ages to send confirmation letters so I won't know exactly what I'm saving in interest for a while but it's the first big overpayment I've made to the loan and is more than one month's payment so it's a great feeling. :money: I'll update my signature later once I've worked out what % I've now paid off.

lcc86

Just worked out I'm now at 17%, only 8% to go to hit my December target.

lcc86

Paid another £1 off the credit card today. Had the interview yesterday for the really great job I recently applied for. I'm not hopeful but we will wait and see.

crazy_cat_lady

Fingers crossed for you lcc

Orange_Ena

Ah fingers crossed lcc. Good luck getting that 8% paid off

lcc86

Thanks everyone!

Another £1 paid this morning. Not much but it all counts. I've had the letter from Sainsbury's confirming that I saved £5 interest when I paid £20 and almost £2 when I paid an extra £5. Can't wait to see what difference £180 makes! Gosh I need to get out more.....

lcc86

Busy few days with work and volunteering. I got my hair cut on Wednesday, very much needed, £25 which was budgeted for. It does mean that this week I'll only manage 3 NSD'S instead of 4 but I'm not going to beat myself up. I'm still going on the PAD front which is most important, managed an extra £9 so far.

Frustrating news from BT. When I called them out back in July to fix my Internet, they said I might be charged if the fault was mine. It was a simple fault, I'd been turning the router off at night which apparently I shouldn't have done, but I didn't know any different. Anyway I received my bill via email yesterday and they've charged me £130 for the call out. I called them and they said any time an engineer is called out they charge. I checked their website again while still on the phone, and it definitely says I MIGHT be charged and they would let me know following the visit (which they didn't). Their advisor told me it doesn't matter what the website says! :eek:

Long story short, it has to be passed on to another department to look into within 10 working days. Either way I don't have £130 extra to magic up for the direct debit, so I had to cancel it. I made a separate payment to cover the cost of the actual bill itself, and told them I'd done so. Very frustrating indeed. The thing is, I would very begrudgingly pay it because I know that in theory yes, it was 'my' fault because I'd been turning the router off (although I didn't know I shouldn't). But to only give 7 days notice isn't on, particularly when it's been three months since the engineer visited :mad:

Anyway, I'll see what they come back with. I might complain further just to try my luck based on it being a genuine mistake and not deliberately causing the router damage etc, but hopefully they will see sense :rotfl:

lcc86

Okay so I've gone from having a bit of a moan this morning to having some amazing news... I got the job I went for!!! I am completely in shock and amazed. It's an absolutely fantastic opportunity and I can't wait. Also the starting salary is £30500, so it's a fantastic chance to pay my debt off much quicker! :j:beer:

I'm not gonna lie, I have broken my T total until Christmas rule tonight and have bought a bottle of prosecco to share with OH

crazy_cat_lady

That is fantastic news! Massive congratulations :j:j:j:j
Enjoy the prosecco. :beer:

belleandthebudget

CONGRATULATIONS! What amazing news