Back in debt but not out

enthusiasticsaver

Deleted_User wrote: »

Evening

Dilemma time. I want to pay off the MBNA as and when I can. DH wants me to save it up to the end of the month & add it on to the payment, so that we get the added interest on the savings account....unsure, as I really, really want to get it gone ASAP.

I would also pay it off as and when. With interest rates so low anyway it would not make a massive amount of interest even in a high interest current account and it will motivate you more to see it coming down. Also it won't tempt you to spend the savings if that is increasing. In my mind savings are for spending (bar the emergency fund, long term savings and earmarked savings of course

[Deleted User]

enthusiasticsaver wrote: »

I would also pay it off as and when. With interest rates so low anyway it would not make a massive amount of interest even in a high interest current account and it will motivate you more to see it coming down. Also it won't tempt you to spend the savings if that is increasing. In my mind savings are for spending (bar the emergency fund, long term savings and earmarked savings of course

That's what I was thinking

Once the CC clears down more, I'm going to look at building up our savings.

[Deleted User]

Morning,

Mortgage payment has come out, making the current account look rather depleted now.

12 days to pay day.

Definitely coming down with something, still feel like crap but can't put my finger on it. Just feel bleurgh think I need a few early nights.

Taking my lunch today and aiming for a few AFD's, something I should keep track of and I have some money in my purse, going to see how long I can make it last.

Got to think of October and my aims for this. I know I've got to do better than September. I think the MBNA card will tread water until Christmas is out of the way but any extra money that comes my way will still get paid off it.

Sorry for the rambling.

Thistle-down

I hope you are able to put your feet up at some point and rest!

Jumblerina

PMO2 you've been a super busy bee, with your balance transfers, Hoover fixing and lunch/dinner making :T I'm loving your little cleaning routine, sounds like it's really helping you keep on top of things trip out with the kids sounds fab too!

I'm super impressed with your NSW :T that's one mean feat! I'll be cheering you on make sure you take care of yourself, wrap up warm and have a few early nights. Hope you feel better soon xxx

Bobarella

Not rambling, it's all interesting stuff

[Deleted User]

Morning,

Still feeling bleurgh just wish I knew what it was, would rather be in bed than going to work.

Freezer lunch today, left over meatballs in tomato sauce, just need to do some bread to go with it.

Should be another NSD today.

debtaghh

Hope you feel better.

[Deleted User]

Thanks debtaghh.

Bed made, washing up done, lunch sorted and washer on.

Off to work and drop DD at the childminders. Have a great day everyone.

Thistle-down

Sorry you have to work when you aren't well, that is a rotten feeling. I hope you are able to rest a bit at some point!