I didnt get the overdraft!!

madmoney_2

:j Hi Guys, for those of you that know me, and my recent posts, you will know that I was skint!!! Literally a fiver left in my back pocket!!
I was tempted to get an overdraft on my account, even knowing the pitfalls from my oh overdraft, but i was that broke i was considering it!!! Well instead I lent a tenner off my mum and a fiver off my bro, and have got meals in for the next 3 days so shud be good till i do my online shop on friday. Ive just received 70 quid from paypal by selling some crap on ebay. so in short, i DONT want or need the extra overdraft!!! OH is well chuffed coz we both didnt want any more debt but couldnt see a way out at the time. Thanks to you guys we got it sorted and are even in profit this week!!
Oh how I love this site!!!
Thanks to all those who helped me, you know who u are
xxx

Crown

Hi, Well done.

Its so easy to take the OD option and get further into debt. this MSE thing is gradual progress and it looks like you are on the right tracks. As long as you budget your money you will end up not having to borrow money at all.

Keep it up

madmoney_2

thanks crown xxx

immoral_angeluk

Well done! It must be a great relief not having to get it and working your way out without more debt! :T

EmptyPockets

Well done Madmoney, I'm new on here so don't really 'know' any of you, but it's still nice to hear you sounding happy and relieved!

EmptyPockets x

P.s I'm learning from you all! :j

madmoney_2

:beer:thanks guys, n good luck to all of you, im absolutely convinced that without chatting to you lot on mse i would have definately got the overdraft with only a moments hesitation!!! Im hoping to clear the council tax at the end of the month when oh gets his monthly pay, it will be 330 by then:mad:
but i will pay it!!! The credit card with argos will be paid aswell on the 13th as im expecting a bonus from work, which will mean im left with dh overdraft, oh well.... only 1500 to go!!!:D
By the way, the bank were going to charge me 25 quid to set up the blasted od!!! The cheek!!!!!;)

Storm

Yay to no OD :j

As for wanting to charge you £25 to borrow a small amount of money that you'd be charged interest on anyway... :eek:

madmoney_2

I know!!! I couldnt believe it myself!!! Originally I wanted to get a 50 quid od, so that i wouldnt be charged stupid amounts when bills have come out of my account and made me go overdrawn, but after finding that out, Ive decided to look at ALL my bills and budget accordingly and make sure I have enough to cover them all so i wont get charged in the future. Hell i might even go 1 step further and keep 100 quid in there constantly!! u never know xxxxxx

floss2

See, you've saved even more money by not taking the overdraft!

Am glad you've come out of your little cash-flow crisis so profitably

madmoney_2

Thanks Floss xxx

rayday2

madmoney wrote: »

:beer:thanks guys, n good luck to all of you, im which will mean im left with dh overdraft, oh well.... only 1500 to go!!!:D

Sorry I maybe getting mixed up here so forgive me if I am wrong.

Were you the one yesterday whos partner would not take sandwiches because it was your debt? And if so is DH overdraft his debt? Caus if it is I know where I would stuff sandwiches now!!!