Barclays reserve????

[Emily]

If you use any sort of O/D facilities, it goes onto your Credit file.....thats what obtuse Banks don't tell you....it is a red flag entry

[joh71262]

Can you not put a spreadsheet together or better still, use Microsoft Money to work out your spends for the month ?

I put my salary in as soon as I get my payslip, work out what all the bills are then transfer the balance to my housekeeping account. Because the two accounts are with the same bank (Co-Op) I can make an instant transfer online if I make a mistake (or if the bank do and take £30 out to pay to my IP that I didn't ask them to pay).

I love being in credit every month after having had an overdraft for many years. It just left me sinking and wondering where all the money had gone.

[kallis3]

Most of our money is paid straight into the bank, but hubbies benefits is from the post office. All I do each month is work out what the shortfall at the bank will be, and pay in sufficient from his benefits so that all dd's are covered.

[Moneystinks]

All ours goes into the bank. I take out lunch monies for lad (in change) and leave it for him to take out what he needs each day - any he has left over through not getting flvoured drink or a snak then he gts to keep and he saves it up. I think for now all our money worries are having a positive impact on him - log may it continue but I am sure it won't last. [}:)]