I can do top up payments because I routinely used to make those payments to the card (before I got extremely lazy and set up the direct limit as once in a blue moon I would forget to make the payment in time and get billed for it). So since then I just click on the existing payee if I want to make a payment other than the dd. But neither the existing payment option, nor the dd option has the detail required to set up a new dd. But fear not! Thanks to your awesome advice, I logged in and downloaded a statement and lo, found the sort code etc
. I have set up a standing order for a couple of pounds higher than this month's dd, to go out two days before it was due, on a monthly basis. And cancelled the existing dd.
Embarrassingly, I will confess to not having been checking my credit card statements. I do my current account regularly (like every couple of days - I use YNAB with a phone app, so I'm totally on top of current expenditure and budgeting...) but, erm, not so much with historical or seldom used credit cards... and this one has been carrying a huge balance for ever, and I need to figure out how to kill it. I'm going to pull up the spreadsheet links and have a look - I think it will probably be something I can just leave to run the course now (and I'm kicking myself for not having done it sooner). I'm keeping that card as I need to have a UK card for returning, but of course it's complicated by exchange rates etc. It's supposed to be the emergency card for flight costs if anything happens with the aged p's/ family. To send a slightly higher amount back to the UK to clear it would probably be more expensive than allowing the SO to clear it over time though?
But yeahhhhhhh. I should actually check my credit card statements. In both countries. I'm doing the ostrich thing as it's easier to not know...
YNAB calculates any 'new' spending on my forrin card, so it's easy for me to make those payments, but again, it's not dealing with the historical aspect of pre-existing balances. It's one of the things that has been on the to-do list for way too long - there are great ways to sort it in YNAB, but so far I've been more focused on sorting day to day budgeting.
That said - while I am actually on a roll - what would you deal with first, as you seem to be way better at this than I am?
Debt:
UK credit card debt
Forrin credit card debt
Line of Credit (this is linked to house, so entirely secure and a reasonably low rate, but much bigger balance - debt from kitchen reno when we moved in)
Student Loan debt
Saving:
One kid at uni now, two kids will be at uni in one year's time, and three kids will be at uni in three year's time... third kid has all the smarts but is physically disabled, so hampered in pt job earning potential...
All thoughts welcome, and apologies for essay!