Alchemausterity II

RosaBernicia

Blech to overdrafts, I second checking for 0% cards.  Somehow I did better at managing a separate thing down than I ever did at trying to get a minus balance back up.  Which I know is the same amount overall but, psychology! 

Alchemilla

Karmacat said:

Sorry about the overdraft thing  

But lols to the screams of the Ukr Mum - she's a real city girl then 

Total city girl!

savingholmes said:

Ouch re the overdraft. Do you qualify for any money transfer CCs or even 0% spending CCs so you can get out of O/D which tends to be worse rates?

LOL at UG

Um, we have three of those.

Alchemilla

RosaBernicia said:

Blech to overdrafts, I second checking for 0% cards.  Somehow I did better at managing a separate thing down than I ever did at trying to get a minus balance back up.  Which I know is the same amount overall but, psychology! 

We have marking money this month. Then we have a plan...

Alchemilla

Marking has started. We are both at it. Two jobs each and four adults in the house but somehow we still cook and tidy up with no help.

savingholmes

House rules needed.... No eating without help around the house. 

I know it can be hard. DS was good at helping. DD was too much effort. We did manage to get her and DS to do their own washing though which was something at least. Giving them something they can control can be an option or a night of the week where it's their job to cook  / prepare food... Would something like that work?

Overdraft fees are from hell. Can you get a 0% spending car or balance transfer to alleviate pressure. You have a lot going on currently.

Alchemilla

Thanks SH. Good strategies there.

Someone must have heard me, I was treated to borscht today.

Leccy co. want to charge me £500 a month. I bet they do!!

We have various money coming in, just not quite yet.

2 x marking money
1 x avc 
1x pension lump sum

Just not yet!!

edinburgher

£500?!!! Oh my word

savingholmes

Gosh Alchemilla! Sounds very expensive for energy - must be a big, draughty place.

Hope pensions etc sort soon.

Alchemilla

edinburgher said:

£500?!!! Oh my word

I know, right!

savingholmes said:

Gosh Alchemilla! Sounds very expensive for energy - must be a big, draughty place.

Hope pensions etc sort soon.

Not so big but until recently a boiler nearly as old as me!

edinburgher

I am still kicking myself about boilers. We bought a fancy V@illant one when we moved in, cost c. £5,000. Boss had a similarly ancient boiler, got it free via a government scheme My main thought was the environment, so it's not lost what a friend gets, eh?