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Why Walk When You Can Fly

edited 11 September 2018 at 11:18AM in Debt Free Diaries
566 replies 32.7K views
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  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
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    Morning,

    Well the sun is shining and I'm hoping that it continues.

    Mixed weekend this weekend.

    Good things

    DH has agreed to reducing the OD by £750
    We had a BBQ
    DD still doesn't need glasses but may do in a year

    Bad things

    Needed new glasses so £525 lighter :eek:
    Cap one has has increased due to said glasses
    We're skint, at least until Wednesday

    I was not happy about my glasses but due to various things, my prescription being one of them, there's not a lot I can do, to be fair I have got away with it for the past 4 years and put it off last time I needed some.....how bad does that sound!?! :o

    I'm keen for March to start, I want to get away from February and try to even things out.

    I'll be back later once I have a clearer idea.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Robin09Robin09 Forumite
    501 posts
    100 Posts Second Anniversary Name Dropper Photogenic
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    I'm another who has put getting new glasses off because of the cost. Even if I buy cheap frames, with my prescription they still run into the hundreds. Very frustrating but obviously needed. Hope you enjoyed the BBQ, lovely weather for it.
    SPC 076
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.8K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Morning,

    Well the sun is shining and I'm hoping that it continues.

    Mixed weekend this weekend.

    Good things

    DH has agreed to reducing the OD by £750
    We had a BBQ
    DD still doesn't need glasses but may do in a year

    Bad things

    Needed new glasses so £525 lighter :eek:
    Cap one has has increased due to said glasses
    We're skint, at least until Wednesday

    I was not happy about my glasses but due to various things, my prescription being one of them, there's not a lot I can do, to be fair I have got away with it for the past 4 years and put it off last time I needed some.....how bad does that sound!?! :o

    I'm keen for March to start, I want to get away from February and try to even things out.

    I'll be back later once I have a clearer idea.

    I feel for you with the cost of glasses. I only need reading glasses which I can pick up cheaply, but DH is very short sighted and needs glasses with high index lenses otherwise the lenses would be really thick and heavy :(. Consequently his glasses always cost a minimum of £300 :eek: :(. If you need them you need them though. At least DH doesn't need glasses though :).

    Good news that you persuaded DH to reduce the overdraft :T. How much does the overdaft cost you do you think? Do they charge you daily for it?
    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 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    I feel for you with the cost of glasses. I only need reading glasses which I can pick up cheaply, but DH is very short sighted and needs glasses with high index lenses otherwise the lenses would be really thick and heavy :(. Consequently his glasses always cost a minimum of £300 :eek: :(. If you need them you need them though. At least DH doesn't need glasses though :).

    Good news that you persuaded DH to reduce the overdraft :T. How much does the overdaft cost you do you think? Do they charge you daily for it?

    Mine are complex lenses, so although the test is free, the actual lenses etc aren't. Mine too have to be thinned and I think that is what the bulk of the cost is. I do have the coating on that turns them in to sunglasses but that is my one 'luxury' that I have for wearing them.

    The OD will be down to £2000 once I get it done :T we do get charged daily and I think that last month we were charged £80+ for it :mad:
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • enthusiasticsaverenthusiasticsaver Forumite, Board Guide
    10.9K posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
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    The OD will be down to £2000 once I get it done :T we do get charged daily and I think that last month we were charged £80+ for it :mad:

    :eek: £80. If that is for a £2750 overdraft that works out at 34% APR over the year and at a cost of £960 almost 20% of your planned debt reduction over the year. Can you get a 0% money transfer card and cancel it altogether?
    Early retired in December 2017

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  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    :eek: £80. If that is for a £2750 overdraft that works out at 34% APR over the year and at a cost of £960 almost 20% of your planned debt reduction over the year. Can you get a 0% money transfer card and cancel it altogether?

    I know...scary isn't it!

    The OD isn't classed as part of the main debt, but it is in the background. I would love to cancel it but DH wants some OD to fall back on; when we were talking over the weekend, I said to him that at the most it will end up being £500 or the £750 and nothing more. I told him that as I pay it as we go along, I will reduce it, the next target on that is £500 to pay off.

    The money transfer is something to think about a bit later on once the main debts have reduced. I'm still aiming for those to be under £10k despite my glasses!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.8K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Blimey that's a high interest rate on the overdraft, the bank must love you! It's good that you can reduce it by £750 anyway because that will make quite a difference :).
    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 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
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    Omg on overdraft thats ridiculous is it RBS by any chance thats who mine is with and its shocking amount I pay on overdraft fees cannot wait to tackle that in April xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £5,109.69/£11,848.25 mortgage - £75,270 o/s currently - paid £12,506.03 (£341.33 overpayment)
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    monz wrote: »
    is it RBS by any chance

    Nope, it's Lloyds x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • jwiljwil Forumite
    12.5K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Great news on the overdraft reduction, the interest is shocking!

    Shame about the glasses spend x
    "If you can dream it, you can do it". Walt Disney
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