Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 3,192Posts
    • 14,181Thanks
    kirtsypoos
    I WILL get there!!
    • #1
    • 24th Jul 15, 12:08 PM
    I WILL get there!! 24th Jul 15 at 12:08 PM
    Hello,

    I've been lurking on this site for almost 2 years now, admiring everyone elses stories but never quite getting the balls to sort myself out.

    Well, that's all changed. I've been diagnosed with a severe reproductive disease and advised to have children in the next 2 years if I want them or it will no longer be an option...bit of a shock to the system and a jolt out of the credit card haze I've been living in, as I'm in no position to have a family with the amount of debt I have now.

    I had a lot of time off sick whilst waiting for a diagnosis/having surgery and don't get paid sick pay so used an interest free money transfer to pay my rent for a few months last year and managed to keep up the rest of my minimum payments but this just added to the problems I already had. I've started a great drug regime and haven't had any time off since my last op so I'm aiming to keep that up and pay as much as I can off all my debts as quickly as possible.

    So here's the list of debts that I've buried my head in the sand about for years!

    £6732.27 MBNA (interest free until Jun 2016)
    £2746.89 Barclaycard (Interest free until June 2018)
    £560.00 Barclaycard
    £2740.96 Vanquis (This is actually my parents debt albeit stupidly in my name as the were on an IVA, and they are making the repayments)
    £1789.23 Very (half Interest Free Until November, the other half interest free until May 2016)
    £10562.14 Natwest Loan (Cleared an amigo loan and some payday loans that I had stupidly got into - much lesser interest than the original debts)

    Total £25131.49 (ouch!! Although better than the 29400.23 it was at this time last year...)

    (with the MBNA and long barclaycard interest free I've managed to balance transfer 6(!) smaller credit cards which I was paying extortionate interest on, so that's a bonus at least)

    I guess I'm just after a bit of support - I made a lot of stupid decisions when I was younger but never thought it would affect me having my dream of a family but when I sat down and added it all up I felt sick, and like it was a little insurmountable. I know I can do it - I can't think of a better reason than my (hopefully) future children

    Thanks for reading

    Kirsty
    Last edited by kirtsypoos; 26-08-2015 at 3:53 PM. Reason: add total
Page 87
    • PositiveBalance
    • By PositiveBalance 1st Jan 18, 9:35 PM
    • 602 Posts
    • 2,807 Thanks
    PositiveBalance
    Happy New Year Kirsty & Donut.
    Original debt to source: £11,639.02; debt repaid: £6000.01 (51.5%); remaining debt: £5639.01.
    0% CC balance: £4999.10 (was £5000).

    Terrimundi: £4.00

    • Tinkerbelle2000
    • By Tinkerbelle2000 1st Jan 18, 10:26 PM
    • 571 Posts
    • 2,025 Thanks
    Tinkerbelle2000
    Happy New Year Kirsty - here's to the best year of your life

    Take care.
    Tink xx
    As of 1st January 2018:-
    DEBT 1 - £0/£38.96 DEBT 2 - £5.00/£141.10 DEBT 3 - £0/£297.00DEBT 4 - £5.00/£644.12
    DEBT 5 - £0/£700.00 DEBT 6 - £0/£720.02 DEBT 7 - £0/£1479.65 DEBT 8 - £21.60/£1576.80
    DEBT 9 - £0/£1622.49 DEBT 10 - £0/£2300.00 DEBT 11 - £118.57/£2722.44 DEBT 12 - £0/£4349.39
    EMERGENCY FUND - £5/£1000
    • kirtsypoos
    • By kirtsypoos 1st Jan 18, 10:52 PM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    Thanks for all the lovely new year messages Hope you all had a lovely evening too!

    The becks blue did the trick and we didn't leave the party until after 1AM - that's a record for me since being pregnant!

    I can't believe this is the year my dreams come true

    I've taken all the christmas decs down today and done a spring clean of the downstairs - I'm going to do a floor at a time but desperately need to do a tip trip after todays clearing out so that is my plan for tomorrow morning. I'm not back at work until Wednesday, much to OHs disgust

    I'm preparing for a HR battle on Weds though, having never had to deal with maternity leave in a professional or personal case before now I am extremely confused over how annual leave works. I had put in to work half days in Feb by using 10 days of annual leave, but I know this leaves me with 13 days (plus bank hols) I assumed I would be paid out for them but our accountant has said no, use them or lose them so I'm planning to take the other 13 days from 5th March and then start my official maternity leave once my annual leave has run out.... the only thing confusing me now is bank holidays. I have no idea if I'll be paid for them as usual or if I need to use extra days to cover what I would normally get for bank holidays, if that makes any sense? If anyone knows about this and can advice, I'd be very grateful!!
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • WannabeFree
    • By WannabeFree 1st Jan 18, 11:05 PM
    • 395 Posts
    • 5,597 Thanks
    WannabeFree
    I can't be sure so don't take my word but where I work they say to take you AL before you start your ML. Maybe speak to ACAS I'm sure they'll be able to help.

    It's getting close now! x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • kirtsypoos
    • By kirtsypoos 2nd Jan 18, 8:43 PM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    I think I'll call ACAS tomorrow - technically HR is my department but we have never had maternity leave before so I'm lost!

    If all else fails I will take holiday at the start of my mat leave and delay my mat leave for a couple of weeks.

    Had a growth scan today and his head is on the 98th centile with his tummy on the 90th - he is measuring 2 weeks ahead at this point I'll never be the same again after that size head!! Let's hope the head growth slows down soon...
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • reality_check
    • By reality_check 3rd Jan 18, 1:22 PM
    • 713 Posts
    • 1,621 Thanks
    reality_check
    Happy new year, this is going to be a great year for you, how exciting!!!

    My work pay bank holidays and can take holidays before or at the other end of maternity leave plus you accrue your full year off so can always use them before you go back…

    We get 6 months full pay, 3 months half and 3 nothing so helps to have your holidays at the end. Or we can spread our wages throughout maternity so you are always getting something each month, not sure if that’s an option at your place? xx
    Starting debt £18,675.63
    Current debt: £7,000
    • kirtsypoos
    • By kirtsypoos 3rd Jan 18, 2:11 PM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    I'm just at a bit of a loss with it to be honest reality - I work in such a male dominated industry that the issue hasn't cropped up before and this is the only company I've ever been responsible for HR in!

    I go straight into SMP, no pay from work at all so every little really does help and part of me would prefer to be paid my holiday on a monthly basis but if I take it all in March and have mat leave start later it will be no different, just an extra lump sum rather than monthly. Our budget works next year with just SMP so maybe having a lump sum buffer in the current account is a better option? Thinking aloud here in case you couldn't tell from my rambling!

    Am going to call our sometimes helpful accountant tomorrow and get the info I need from her if I can....wish me luck! Had a quick chat with boss this morning and he got very flustered and worried about when I would be coming back so easier just to try and sort it myself I think! xx
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • kirtsypoos
    • By kirtsypoos 4th Jan 18, 2:45 PM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    Well after stressing about it yesterday afternoon, I emailed our sometimes helpful accountant and she apparently isn't feeling very helpful at the moment as she has read and ignored my email

    My sister has her 20 week scan this afternoon so looking forward to a picture of my newest niece to be later

    I'm trying to rejig the budgets next year based on whether I get paid monthly for holiday or whether I just take it in March and keep the funds in our emergency savings....doesn't make a massive difference other than allowing a little more budget flexibility if it goes into to joint bills account. Doesn't make much difference if the money is still there either way though does it? I'm so confused!

    My next to me crib (present from my Grandparents) is being delivered to my Mom and Dads today and I'm picking up the wallpaper tonight ready for the decorator to start the nursery next week. We still don't have anything apart from clothes at our house, I wanted to get to 28 weeks before having any large items in the house....I'm 28 weeks today but the nursery isn't going to be finished with decorating and carpet until 28th Jan so we will aim to get everything over to ours around then it will be here before I know it! xx
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • enthusiasticsaver
    • By enthusiasticsaver 4th Jan 18, 3:48 PM
    • 5,131 Posts
    • 9,778 Thanks
    enthusiasticsaver
    Exciting stuff. My daughter and son in law have just bought the next to you Chico crib in pink as it was reduced by £50 and they are expecting their second girl early May.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • kirtsypoos
    • By kirtsypoos 4th Jan 18, 4:02 PM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    I hear Grandchildren are the best ES

    You can get such good deals at the moment. We bought it before we knew it was a boy so have gone grey - very neutral but at least that will work for the next one too
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • enthusiasticsaver
    • By enthusiasticsaver 4th Jan 18, 5:22 PM
    • 5,131 Posts
    • 9,778 Thanks
    enthusiasticsaver
    Yes my daughter said the only reason they went pink is it was cheaper and this will be her last baby. For her first she was bought a Moses basket by well meaning grandparents (not us) but it only lasted around 6 weeks and our granddaughter then had to be moved to the cot as it was too small and uncomfortable for her. Check mattress thickness as we found when we bought a thicker mattress for the travel cot/bassinet we used for our granddaughter she slept so much better.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • kirtsypoos
    • By kirtsypoos 5th Jan 18, 1:39 PM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    Thanks es, I'll bear that in mind - we bought a cheapie Moses Basket back in September for downstairs (we live in a townhouse so putting him down for a nap in the Next to Me crib is a no go) but am pretty sure it won't last long!

    The annual leave/maternity saga is finally partially resolved. I have managed to get a HR Manager friend of mine who works for a company locally to send me their maternity leave policy, meaning I can prove to the powers that be that I do not use or lose my holiday, and am entitled to continue to accrue it. I wasn't aware that mat leave automatically started when baby was born though, so will change plans slightly. Will take 9 days throughout Feb to enable me to take half days, then 10 days holiday end of Feb/start of March and then commence mat leave on 12th March all being well. so will still be paid out for some holiday in December, but not many. Bit of a boost to Dec pay and a bit of a boost to start of mat leave. Best of both Worlds!
    Now just need to get my boss to agree (rolling eye emoji would be perfect right now) wish me luck!

    Decorator is starting the nursery on Tuesday morning so tomorrow will be spent trying to agree on paint colours without the room looking like the rest of our house - varying shades of grey everywhere

    NZ CC payment came out yesterday and OHs CC DD is due out on Monday - so excited, then it will be 1 more payment before it's cleared

    Have started on 2019 budget spreadsheet to work out 2 scenarios - 1 is that I take the full 12 month mat leave with 3 months totally unpaid, the other is that I return to work early Jan/ early Feb meaning 9/10 months off....I would prefer the year but will have to see what I can work out. We still want to be adding to savings while I'm on mat leave so I'm trying to make everything balance. Easier said than done!!
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • abba1772
    • By abba1772 5th Jan 18, 2:09 PM
    • 4,147 Posts
    • 13,112 Thanks
    abba1772
    Your house sounds like ours the only rooms that aren't grey are the kids room
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4079.85
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £280.69
    • kirtsypoos
    • By kirtsypoos 5th Jan 18, 2:40 PM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    Grey is the best Abba!!

    When I ordered the nursery carpet I text my Nan to tell her it was done and she replied with "I'd bet my years pension on grey"....she was right so there is grey carpet and the wallpaper (1 wall only) is grey and white so I want a bit of a break from grey for him....wish me luck as I tend to lean towards grey no matter what I go thinking I'll get
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • monz
    • By monz 8th Jan 18, 11:38 AM
    • 2,901 Posts
    • 8,796 Thanks
    monz
    one payment until clear and omg cant believe you are 28 weeks already <3 xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 10/30 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 0/30
    holiday - £678.24/1064.72
    • kirtsypoos
    • By kirtsypoos 8th Jan 18, 1:37 PM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    I'm so excited that that CC is down to £75 - as of 7th Feb it will be gone! That's so exciting to me

    Had a bit of a worry at the weekend and ended up on the maternity triage ward at the local hospital thanks to our little tinker stopping moving - all seems fine and I've had monitoring so his heart rate seems fine, he just must have been tired! Gave me quite a fright though, especially when the midwife took a while to find his heartbeat - my heart was in my mouth.

    After Saturday nights scare and realising I'm not very prepared in case of anything happening early, I went shopping for my hospital bag yesterday - donut is pretty much sorted but I was not! I still need a few bits like a couple of nursing nighties for in the hospital and some more maternity pads but other than that all should be well....just need to pack it now!

    We have a new dining table arriving today as our old one is too large for the dining room, meaning we can't get the pram past the current table so that will be going on ebay once the new one has arrived. OH built some shelving into a half cupboard in our bedroom yesterday as well, so we now have proper storage for towels and bedding rather than them being piled into this massive cupboard.

    Managed to agree on the paint for the nursery too, so we picked that up on Saturday - fingers crossed it looks how it does in my head!

    All our baby stuff is stored at my mom and dads at the moment so we will be bringing some of it over in the next 2 weeks - like the car seat so we can practice putting it in the car! It's feeling a bit real, but still not totally

    Managed to provisionally book the antenatal course I was after but I wanted to do hypnobirthing as well, they won't let me do both even though you have to pay for the hypnobirthing separately - a bit annoying as OH can't make the dates of the hypnobirthing course so my Mom was going to come with me to that and OH and I would go to the normal antenatal courses....may have to try asking very nicely!!!
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • kirtsypoos
    • By kirtsypoos 9th Jan 18, 9:19 AM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    Well our table didn't arrive yesterday so my poor mom waited at ours all day for nothing I can't seem to get hold of the courier and the company I bought it from aren't responding from aren't answering either. I am not impressed!

    Nursery is being painted by a friend today (have discovered that neither OH or I are particularly good with cutting in. I am better than him but still not great - when we painted the kitchen at our old house he painted more of the ceiling than the walls )

    Still over excited that there is only 1 payment left on OH BC too - we will still have debt, but it's joint debt that either is for a reason (zopa loan for car - better rates than anywhere else and a secondhand low mileage car) and our NZ trip on a CC, but the money is in savings to repay that, I just want to make the most of the 0% and keep the funds in an interest paying account rather than paying the card off just yet.

    I made a bit of an error on our budgeting spreadsheet which may jeopardise my 12 month planned maternity leave - I hadn't done the total sum correctly in excel and it hadn't accounted for 1 payment every month - it happens to be a fairly big payment so I thought it was all rosy....not so much! I am going to do some re-jigging over the next few weeks and see what I can do to redistribute funds. We have a £1k emergency fund so it may be that I hold off on further savings for the meantime. I really don't want to, but it was a schoolgirl error and stamping my feet that I want both extra mat leave and extra savings isn't going to make it happen!
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • kirtsypoos
    • By kirtsypoos 10th Jan 18, 10:26 AM
    • 3,192 Posts
    • 14,181 Thanks
    kirtsypoos
    Had a call yesterday afternoon to say the table was en route, despite Monday being the delivery date cue a mad rush home to get there in time to accept the delivery

    Driver asked me to sign before he moved the boxes so I refused without checking them, he asked if I could check them in his van - no problem! Checked each box over (4 in total) and as I checked them he took them to the house....all great until I went back to the house and realised he'd piled them on the floor by the front door and I couldn't get back into the house without lifting all the boxes out of the way - asked him for help and he said no, he'd delivered now! So 7 months pregnant heaving 20 kilo boxes was not my idea of fun and I've put a complaint in to the courier company - bl00dy joke!

    Nursery looks lovely and 2nd coat is going on today wallpaper going up tomorrow morning and then it's just waiting for the carpet on 20th and furniture on 27th before we can start really making it our little mans room!

    Went back to yoga for the new term last night - it is relaxing but is getting harder to do the bigger I get - my balance is a bit off now and my right hip is giving me awful gip so I need to be careful. Lots of visualisation about blowing feathers away during 'tightenings' which I hope will help during labour but I still don't entirely believe at the moment...

    Still undecided whether to reduce savings contributions during mat leave to cover the miscalculation on my spreadsheet. I think I will be going back and forth over that one for a while.

    Trying to sort out my annual leave before mat leave is a bit of a nightmare. I'm struggling to be able to arrange everything and get approval but I really am struggling at the moment so I don't think I'll be able to last any longer than I have asked for....let's hope we can all come to an agreement soon!

    Managed to ask very nicely about the hypnobirthing/antenatal classes and they are letting me do both That's a weight off my mind!

    Also booked OHs tickets to the annual kiwi day out in London that he is going to on 3rd Feb - I went with him last year but huge crowds of drunk people aren't my idea of fun at the moment so I'm leaving him and his mate to it. Managed to get him a return to london for under £30 though so at least it isn't breaking the bank xx
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £734.91/£4000
    • abba1772
    • By abba1772 10th Jan 18, 12:14 PM
    • 4,147 Posts
    • 13,112 Thanks
    abba1772
    What a idiot of a delivery man it's not like they can miss that your pregnant hope you didn't strain yourself and take it easy xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4079.85
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £280.69
    • sashybo
    • By sashybo 10th Jan 18, 12:30 PM
    • 2,521 Posts
    • 19,214 Thanks
    sashybo
    Kirsty that is a joke leaving a pregnant woman to shift big boxes. I hope you get some compensation because that really isn’t good enough, you’d think that he would at least move them into the house for you out of common decency. Sorry you had to move them yourself.

    Good to hear the nursery is coming along, we were lazy & just went for some wall stickers, a blackout blind & a new light shade .

    I didn’t do pregnancy yoga classes but have been doing yoga on & off for a few years and found that the deep breathing really helped me in labour along with the TENS machine. I was in labour for 48 hours altogether although only in active labour for 17. The deep breathing & TENS really saved me when I was at home, then up to the hospital, then sent home again as not dilated enough etc. Before I was sent home one of the midwives also got me to sit on a birthing ball & lean forward over the back of a chair whilst she gave me an aromatherapy back massage and that really helped too. When I was in the birthing pool later one of the midwives asked if I did yoga due to my deep breathing, I found it helped calm me & I got into the zone.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9575 extra paid off debt. Total Debt paid off £48,366.86
    Loan £3543.17, CC 0% BT £892, Car loans £22,879.88

    Have a Debt Free Diary to try & keep spending in check.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

5,486Posts Today

10,786Users online

Martin's Twitter