Every debt this debt will go down

NeverendingDMP

Thanks lemontree. I did an overpayment of just one pounds over a regular one to see what happened and the balance dropped very nicely. It was a psychological boost to see over a 100 pound drop. It also made me happier that overpaying will reduce the overall total. I had to see if to believe it even though i quizzed the customer service team to check before i signed up..
I cant do that all the time though so little and often will be my way forwards i think. Whilst its not at subprime the interest level is too high for my liking so every penny counts eh. I put the overall/end amount payable on my signature so overpaying will reduce the debt faster and mean i end up paying less in the end.
In other news i have been filling the hallway walls but ignoring the hole in the ceiling as its beyond my expertise. Next is to sand and paint. Ive also ordered the eldest a kindle for xmas. He wanted an ipad to be fair which is way out of reach and he dropped his v old kindle yesterday by accudent so i consoled him by saying father xmas might get him a new one. Jwil if you read this im not a permanent copycat but i have been this week-sorry x:rotfl:

NeverendingDMP

3.50 sent to debts today.
Currently owe 19714. Got s orders due out for mortgage and debts next week so will update signature then. DH got his wageslip. About 150 for me to find this month. Need to do v cheap food shops for a while longer.

Lemon_Tree

Well done, it's great to be able to see our debt balances dropping isn't it

NeverendingDMP

43 p sent today. Finances are still chaotic as DH wage is down so we are short for what we need but it will even out in late dec/early Jan. Xmas doesnt help. Even though i know it will happen i seem to have messed it up this year and not had enough saved. I am so going to be one of the people that posts on new yeare/eve day with the debt total and a promise to reduce it.
Oh and the eldest childs Kindle arrived. I found it in a **** wet through box down the side of my recycling when i tried to put the bins out this morning. I thought it was a bit of cardboard that had fallen out of the tub till i picked it up and realized. Had to then hide the evidence whilst trying not to rant outload. The joys of the v busy drivers at A eh. No delivery note through the door or anything. Its going back as electrical items and pouring rain do not mix well.

NeverendingDMP

Another few pence paid. Finances are still in free fall though. Im using the c card...i know i know.... to fill the gap in DH wages. The 2 other c cards are cut up and have a balance of 0 and about 16 pounds. The card still in use will hopefully be chopped up in the new year when we get back from our trip.
My emergency fund is now 200 though which is okay and debt is 19804. Higher than the other day but less than it was 10 days ago....im clutching at straws here...

jwil

Keep going x

NeverendingDMP

Debt is 19825...its gone up..oh no.. despite a direct debit coming out today which was meant to lower it. Ive got 10 pounds in my purse to buy a top.up shop and 39 pence in my bank account till friday.. bills acount has enough in but will check just in case.
Ive got 2 more planned debt repayments this month and must keep an out out to stop it going over 20k. I should be back to debit card only from friday so can get back on plan. Ive still not tried my monzo card but can physically transfer money to it this weekend so might experiment with using it for the food shop.
It will also be more.straightforward now my A payments have cleared and deliveries recieved. So much harder to budget when everything is constantly pending payment.

NeverendingDMP

It may not be up it might be 19799 which is down so therefore true to my thread...ish... Please ignore my inability to add up. I may have counted a pending payment twice. I thought it came of my c card but its already been taken from my bank.
Idont go on amazon a lot partly for this reason as it confuses me that the order isnt always paid for when you expect and also because i think the staff are in a no win situation. I purchased a few bits for xmas over the weekend though and its really confused my sums. Im hoping that the figure of 19799 is correct. Who knows. Either way i will be in debt for a long time yet but its better the figure goes down than up eh.
Ill stop rambling now.

NeverendingDMP

Another direct debit today so just under 11 pounds paid to a debt. My bank accounts accounts are all showing as correct now so after my confusion yesterday i can confirm my debt is still going down...v v slowly.
Too early to make promises yet as i need to assess the damage after we get back from our trip away but i would like to break the 50% paid barrier by dec 2020.

NeverendingDMP

I appear to have has a nsd. Yayyyy.
I sent a few pence to debts too. Some of my transactions are showing as pending along with a couple of things i returned so still dont have an exact figure but my debts are less than yesterday so all id good. X