Here I go again...

LittleMissDetermined

Hi, and thank you everyone.

I've spent some time going over my finances this morning, (can't sleep) and it's a good job I did as I almost missed my cc payment... so I have paid what I need to but I have not overpaid this month. This is because I have spent almost all of December off work due to being at the hospital and then sorting things/looking after dad (and crying a lot) that I am not entirely sure what I will be paid in January which of course will impact Feb.

2 months of minimum payments (Jan and Feb) should be OK though, a small set back considering the amount of stuff I am dealing with.:o

The world is just full of doom and gloom at the moment, the flooding here has been just awful but I have been watching the BBC World news this morning and America and Australia are also suffering. I feel so bad for those affected, especially at this time of year.

LMD x

12_month_challenge

Hi LMD

Your overpayments are the least of your worries at the moment You will catch up with CCs etc dont worry.

It just shows what a lovely person you are. Worrying about others even though you have a lot to deal with yourself :A

Take every day as it comes and try not to take on too much. You need to look after yourself also

I promise you it gets easier
Stay strong
X

LittleMissDetermined

Thank you 12 month challenge, I can only hope it does.

The cc payment was due today and I have paid it online so am hoping it hits in time without late charges or jeopardising my 0% interest offer.

At least if I'm worrying about that I'm not sobbing...

LMD x

12_month_challenge

You need to cry LMD let it out. I found I went through a range of emotions. I went from being heart broken to disbelief to shocked to anger all in a short space of time. I was angry at anyone who still had their mum. .

Its all part of grieving. I hope your dad is ok too
X

somerandom

Just popping in to say I hope that you are bearing up. Be very gentle with yourself. xx

kirtsypoos

Thinking of you and yours LMD x

crazy_cat_lady

So sorry to hear your sad news LMD - always seems harder at this time of year. My thoughts are with you and your family. Be kind to yourself xxx

LittleMissDetermined

Thanks again guys, I really do appreciate your kind words. It's all still a bit of a blur and the funeral approaches tomorrow which I know will take a massive toll on everyone.

I've managed to get a few PAD's in, nothing massive but every little bit counts. I've also had a letter from Santander offering me 0% for 12 months, I never thought this would happen but next weekend I might look to see whether it will be beneficial to move the BC balance over for 0% as long as I can blast it within the 12 months that is.

My BC is currently 17.5% so I could save quite a bit I think and clear it quicker without the interest being added.

I'll keep you all posted on what I decide to do

LMD x

stepuptothepl8

De-lurking to say that I hope tomorrow goes as smoothly as possibly.
And well done on still PADing. FWIW, I'd go for the transfer; it's so gratifying not to pay interest and the balance goes down so much quicker. Having the deadline helps too, of course x

LittleMissDetermined

Thanks, and I appreciate your de-lurking!

Rough maths sees a saving after the transfer fee of about £1160 so I'd say it's a no-brainer really. Will sort once settled