NOW OPEN: the MSE Forum 'Ask An Expert' event. This time we'd like your questions on TRAVEL & HOLIDAY DEALS. Post by Wed and deals expert MSE Oli will answer as many as he can.
Been here before many times
Latest MSE News and Guides
MoneySavingExpert
Chair, Martin Lewis · Editor, Marcus Herbert
Replies
So first things first. Debt:
04/03/2020: £40,601.62
16/05/2020: £39,424.38
Still an absolute mountain to climb but getting there. Paid the last £220 left from the car lease that went back in February today. They've never chased me for any damages (not that I feel there were) and I didn't get a bill for excess mileage. Maybe all those emails where I was stressing about not being able to afford it they just decided not to? I have no idea! But I don't think they could chase me now!
I still have £553.01 of my Monzo overdraft to repay, I closed it when I found out my new interest rate was going to be 39.9%, they haven't defaulted me but its under payment arrangement or something. I'm not happy about that but I wouldn't have been able to repay it with interest so thats the concession there I guess!
I still have a Halifax Credit card that I can't use but is incurring interest and isn't defaulted. Currently taking advantage of covid payment holiday, usually I pay £50 a month with £30 interest added on. It's horrible! However I'm just going to take that hit because I need the money to pay for one of my dog's neutering.
My partner moved in February, has now started paying rent as his house has been let out. He hates it. He's really struggling with the fact that he can't just go home and be on his own during coronavirus and I have big worries for our future some days. Not because we don't love each other but because he's going out every day and being exposed to covid, whilst working shifts that he hates. The NHS have totally changed community services to cover 8am to 8pm and it's upset his routine and he really needs his routine to stay sane. So I worry for him because when he withdraws he starts to think he needs to be on his own. So I've got to find a way to let him do what he wants without putting pressure on him. But we've had a good few days, bar one melodramtic day in between when he told me he didn't think he wanted to get married. I've given him the ring back and he just needs to make his mind up. I didn't want to continue wearing it and him see it and be stressed. So its in the box in his drawer.
Now I've got income from to contribute I can relax a little, although it will all change when DS goes back to school and I have childcare to pay!!!