Resilience

[luluj]

Well month one since the IVA ended three years ago ... overdraft been used .... feel terrible as if I have let us down and not managed our budget correctly !
Searching for the reason for it ... might only be £200 but it is still £200 and I don't like it !
Pay day on Tuesday so ....no spending till then !

[Shining]

Don't beat yourself up, these things happen, I've not got an overdraft but do wonder if maybe I should have one as a buffer. I've got a really expensive month in November and everything I've put by is all going to be gone. Son's wedding abroad so dogs in kennels (which I don't like the thought of), plus my graduation Oh well start again the savings next year (jan).

x

[luluj]

Found the reason .....doh !!!! I moved £300 across to our savings account on pay day ....forgot all about it ! Let's say the panic of the last two days has now gone ...but lesson learnt !

[kazzafunk]

Did you get your overdraft straight away after the IVA ended? I worry about not having the buffer there but too scared to ask the Co-op to change accounts from Cashminder!

[luluj]

We swapped across to their monthly paid a count which came with travel insurance, gadget insurance, mobile phone insurance, RAC cover and a £500 overdraft ..all for £12.99 a month. We were paying that alone for our RAC cover plus we wanted travel insurance for a one off holiday and were quoted over £80 so we saved that too.