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“Rock bottom became the solid foundation on which I rebuilt my life.”
Comments
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Morning
Thank you Cherry. My last statement doesn't mention I'd there's a cap on the amount of charges. I guess I'll find out tomorrow.
No reactions yet!
I'm up and cleaning. Well I've swapped the washing and wrote my lists :rotfl: smalls are all still in bed. Waiting for 8am so I can call the HA about the boiler.
Hope you all have a lovely day
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Friday money update.
Bill account - now has enough for the direct debits to go out going forward without going overdrawn. As long as I don't touch it this week and I cover the bank charges for the many returned payments over the last month. 11 payments failed.
'Spend account' is currently empty. This from next Friday has £50 a week transferred in. This is to cover everything else that isn't a bill. Food/toiletries/school etc.
I have wrote a super list of things to stock up on slowly going forward to build a small 'reserve' for the squeaky times/unplanned things.
Now I need to get on with my 'to do' list. Smalls are still in bed :cool:“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Delurking to say you are doing so well.
Just a suggestion but if you call your bank and explain that you were setting up new direct debits and it got confusing with the amounts they were taking and is there anything the bank can do about the bank charges. They may reduce the bank charges, as a one off gesture of goodwill.
It may be worth a try.0 -
Agree with this.Delurking to say you are doing so well.
Just a suggestion but if you call your bank and explain that you were setting up new direct debits and it got confusing with the amounts they were taking and is there anything the bank can do about the bank charges. They may reduce the bank charges, as a one off gesture of goodwill.
It may be worth a try.
As they are for the members they are normally quite good.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Delurking to say you are doing so well.
Just a suggestion but if you call your bank and explain that you were setting up new direct debits and it got confusing with the amounts they were taking and is there anything the bank can do about the bank charges. They may reduce the bank charges, as a one off gesture of goodwill.
It may be worth a try.
Was just going to suggest the same. As a former bank manager (don’t shoot me!), albeit for another bank, I know that the rule is usually to give back at least 2 charges as a gesture of good will if you haven’t had any refunded in the past 12 months. XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Delurking to say you are doing so well.
Just a suggestion but if you call your bank and explain that you were setting up new direct debits and it got confusing with the amounts they were taking and is there anything the bank can do about the bank charges. They may reduce the bank charges, as a one off gesture of goodwill.
It may be worth a try.
Excellent suggestion, certainly worth a try. I think banks can be a bit more kindly if they hear from you that there's been an issue and you are aware and doing something about it.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
We have our mortgage with the Nationwide and they are always very pleasant, friendly and have treated us fairly over the years. So I think it is definitely worth explaining your situation and asking if they would waive ALL the charges as a one off good will gesture. They may very well say yes.
I hope littlest DD is less chesty this morning and your boiler gets fixed, it sounds like it needs replacing!Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Thank you I called them after I posted to see what the cap was if there is one. For anyone else interested the cap is £35. I will call back and see if I get someone nice enough to lower what I owe
Thank you
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Oh and I finally got through to the HA. The gas man is coming today before 8pm - although they did ask if I could manage until next Thursday first!
Have started my to do list but stopping for a cup of tea
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Next Thursday :eek: XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0
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